© WHERE WE LEND INLAND EMPIRE · CA
HARD MONEY LENDER INLAND EMPIRE
Bridge, construction and DSCR loans for Inland Empire investors in San Bernardino, Ontario, Rancho Cucamonga and the surrounding cities, closed in 5-7 days.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
The Inland Empire is the part of Southern California where investors go to build: San Bernardino, Ontario, Rancho Cucamonga, Fontana, Redlands and Chino on the San Bernardino side, Riverside and Corona on the Riverside side, and Victorville. Loan Goat lends across the region on non-owner occupied property, from single-family flips and small multifamily to warehouses and flex buildings, and on ground-up construction for builders with a track record.
Every program runs at the published terms: the bridge loan from 9.00% to 13.00%, up to 75% LTV and $25,000,000, fix and flip from 9.99% with up to 85% of the purchase and 100% of the rehab, ground-up construction up to 80% LTC on 12 to 18 month terms with flexible draws, and the rental DSCR loan from 6.50% up to 80% LTV on 30 and 40 year fixed terms, ADU income permitted. Loans are underwritten and closed from San Diego by the team that answers (619) 617-2797.
© INLAND EMPIRE MARKETS INLAND EMPIRE · CA
EVERY INLAND EMPIRE MARKET WE LEND IN
Inland Empire is the region page. Each row below is the page written for that city: what a loan costs there, the scenarios we see, the programs that apply and the questions borrowers ask.
- San Bernardino San Bernardino County, out to Rialto, Fontana, Moreno Valley.
- Fontana San Bernardino County, out to Rialto, San Bernardino, Rancho Cucamonga.
- Rancho Cucamonga San Bernardino County, out to Ontario, Fontana, Pomona.
- Ontario San Bernardino County, out to Rancho Cucamonga, Pomona, Fontana.
- Victorville San Bernardino County, out to San Bernardino, Rialto, Fontana.
- Rialto San Bernardino County, out to Fontana, San Bernardino, Rancho Cucamonga.
- Upland San Bernardino County, out to Rancho Cucamonga, Claremont, Montclair.
- Chino San Bernardino County, out to Chino Hills, Ontario, Montclair.
- Chino Hills San Bernardino County, out to Chino, Diamond Bar, Pomona.
- Redlands San Bernardino County, out to Loma Linda, Yucaipa, Highland.
- Loma Linda San Bernardino County, out to Redlands, Colton, San Bernardino.
- Colton San Bernardino County, out to San Bernardino, Loma Linda, Rialto.
- Highland San Bernardino County, out to San Bernardino, Redlands, Yucaipa.
- Grand Terrace San Bernardino County, out to Colton, Loma Linda, San Bernardino.
- Montclair San Bernardino County, out to Ontario, Upland, Chino.
- Yucaipa San Bernardino County, out to Calimesa, Redlands, Beaumont.
- Apple Valley San Bernardino County, out to Victorville, Hesperia, Adelanto.
- Hesperia San Bernardino County, out to Victorville, Apple Valley, Adelanto.
- Adelanto San Bernardino County, out to Victorville, Hesperia, Apple Valley.
- Barstow San Bernardino County, out to Victorville, Apple Valley, Hesperia.
- Big Bear Lake San Bernardino County, out to Yucaipa, Highland, Redlands.
- Yucca Valley San Bernardino County, out to Twentynine Palms, Desert Hot Springs, Palm Springs.
- Twentynine Palms San Bernardino County, out to Yucca Valley, Barstow, Desert Hot Springs.
- Needles San Bernardino County, out to Barstow, Blythe, Twentynine Palms.
© THE COST INLAND EMPIRE · CA
WHAT DO INLAND EMPIRE HARD MONEY LOANS COST
An Inland Empire hard money loan costs interest, origination points and third-party closing costs. The starting rates and maximum leverage in the table are the ones on Loan Goat's program pages; points and fees are quoted on the Letter of Intent, because they depend on the loan size, the leverage and the property.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| CONSTRUCTION | Priced per project | LTC 80% of lot, build and interest reserve | 12 to 18 months | Above $4,000,000 by special approval |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
For builders, the construction terms matter more than the rate: draws released through every stage, interest calculated on the drawn balance only (non-Dutch), an interest reserve available, and no prepayment penalty. The construction program asks for 2 previous ground-up projects and a 600 minimum FICO; an investor adding an ADU or renovating a fourplex who has not built from the ground up starts on the fix and flip program, where the construction holdback covers up to 100% of a standard rehab.
© WHY LOAN GOAT INLAND EMPIRE · CA
WHY LOAN GOAT IN INLAND EMPIRE
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Loan Goat has closed 1.3K+ loans since 2022, funded $1.5B+ across 46 states, and holds a 5.0 Google rating with 150+ reviews. The four-step process closes in 5-7 days because processing is done in-house, and the hard money bridge products can close in as quickly as 3 days. In a region where deals are won on certainty of close, that is the whole pitch.
The range is the second reason. A Fontana flip becomes a DSCR rental; a Redlands duplex with an added ADU qualifies on the combined rent; an Ontario warehouse or a Rancho Cucamonga mixed-use building goes on the commercial programs at up to 70% LTV, with the bridge loan reaching $25,000,000 for larger assets. One lender through the whole plan.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
© LOAN SCENARIOS INLAND EMPIRE · CA
MOST COMMON INLAND EMPIRE LOAN SCENARIOS
- 1031 EXCHANGE Exchange buyers replacing a sold property with an Inland Empire acquisition bridge the purchase inside the deadline and refinance afterward.
- AUCTION & HUBZU Online auction wins in San Bernardino or Riverside County close on a bridge or fix and flip loan approved before the bid.
- BANKRUPTCY BUYOUT Investors exiting a bankruptcy with equity in a regional rental need business-purpose capital that looks at the asset first.
- BANK STATEMENT LOANS Self-employed buyers qualify on 12-24 months of bank statements on Non-QM loans from $200,000 to $10,000,000, with no tax returns or W2s required.
- FORECLOSURE AUCTION Trustee's sale buyers line up proof of funds and a hard money bridge that closes in as quickly as 3 days.
- FOREIGN NATIONAL Buyers without U.S. credit can use the DSCR program for regional rentals, where DTI is not calculated.
- NON-WARRANTABLE CONDOS Condo buildings that fail conventional review are permitted on the rental DSCR loan.
- SELF-EMPLOYED Business owners borrow on the property for investments and on bank statements or a P&L for the home.
- VACATION RENTAL Furnished rentals across the region qualify on the DSCR loan with short term rental income permitted.
- CASH OFFERS ONLY Cash-only listings across the region close on a hard money bridge with no appraisal needed in some cases.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN INLAND EMPIRE
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Renovations and ADU additions on SFR, condo, townhome and 2-4 units: up to 85% of the purchase, construction holdback up to 100% of the rehab. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up builds and infill across the region for builders with 2 previous ground-up projects: up to 80% LTC, 12 to 18 month terms, flexible draws. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Industrial, multifamily, mixed-use, retail and office across the region: from 7.90%, up to 70% LTV, on 1, 2, 3 and 15 year terms. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES INLAND EMPIRE · CA
PROPERTY TYPES WE FINANCE IN INLAND EMPIRE
- INDUSTRIAL & WAREHOUSE Distribution, warehouse and flex space in Ontario, Fontana, San Bernardino and Chino: purchase, refinance and cash-out.
- MULTI-FAMILY Duplexes to apartment buildings in San Bernardino, Riverside and Rancho Cucamonga on bridge, DSCR and commercial programs.
- MIXED-USE Retail-over-residential buildings on the region's older commercial streets, up to 70% LTV.
- RETAIL Strip centers and free-standing retail with a repositioning or refinance plan.
- LAND Land loans explained: how lenders price raw, entitled and shovel-ready parcels and how a construction loan follows.
- SELF-STORAGE Storage facilities bridged through lease-up or to the next acquisition.
© THE APPROACH INLAND EMPIRE · CA
HOW WE LEND IN INLAND EMPIRE
The comparison table is the operating rulebook: high leverage, speed to close, reliable capital, low-doc requirements, in-house processes, lower rates where the deal earns them. When banks say no, we say yes; when an Inland Empire deal does not pencil, we say so before the appraisal is ordered.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
INLAND EMPIRE BORROWERS, IN THEIR WORDS
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As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ -
As a business owner traditional lending doesn't fit my finances, which is why Loan Goat is a godsend. They are able to work with you, understand what you're trying to do and get it done.
NEVENKA MOROZIN -
I had an excellent experience with Loan Goat during our real estate deal, working as the buyers agent throughout the deal. Their team was professional, responsive, and guided me through every step of the process. Clear communication and...
RAPHAEL ROUFAIL II -
I recently worked with Loan Goat, and my experience was fantastic. From start to finish, the team was attentive, knowledgeable, and genuinely interested in helping me find the best loan options for my needs. They walked me through every...
LUIS GONZALEZ
© QUESTIONS INLAND EMPIRE · CA
INLAND EMPIRE HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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The whole region, across San Bernardino and Riverside counties. The cities we see most are San Bernardino, Ontario, Rancho Cucamonga, Fontana, Redlands, Riverside, Corona, Chino and Victorville. Riverside County has its own page; loans are underwritten and closed from the San Diego office.
Hard money lender Riverside -
Yes, in two ways. An ADU added during a renovation runs on the fix and flip program, where the construction holdback covers up to 100% of the rehab and interest is charged on the drawn balance. A ground-up build runs on the construction program, up to 80% LTC with flexible draws, and once the unit is rented the rental DSCR loan permits ADU income for the long-term refinance.
Construction loans -
Yes. Industrial and warehouse assets go on the commercial programs, from 7.90% and up to 70% LTV, and on the bridge loan, which reaches $25,000,000 at up to 70% LTV on commercial property and can close in as quickly as 3 days.
Industrial and warehouse loans -
Rates run from 9.00% to 13.00% on the bridge loan, 9.99% to 12.00% on fix and flip, 6.50% to 9.99% on the Non-QM rental loan and from 7.90% on commercial for qualified borrowers, and construction is priced per project; points and closing costs are quoted on the Letter of Intent. Rates are subject to change and are not a commitment to lend.
Read the pricing guide -
The standard is 5-7 days from application to funding; the hard money residential and commercial bridge loans can close in as quickly as 3 days.
How borrowing works -
Credit is one input. The bridge loan floor is 650, fix and flip is 620 and ground-up construction is 600, and the file is underwritten on the property and the exit rather than on the score alone.
Bridge loan requirements -
Yes, on every loan, read alongside the property, the equity and the exit rather than as a gate.
Borrower FAQ -
Owner-occupied loans are consumer loans with their own rules. The VA Elite and VA IRRRL programs serve veterans on a primary residence, and the interest-only bridge states owner occupied OK. Tell us how the property will be used.
Owner occupied loans -
Request a quote on this page, apply online, or call (619) 617-2797 with the address, the price or value, the loan amount and the exit.
Apply now
© WHERE WE LEND INLAND EMPIRE · CA
INLAND EMPIRE, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE INLAND EMPIRE · CA
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(619) 617-2797
