© WHERE WE LEND SAN BERNARDINO · CA
HARD MONEY LENDER SAN BERNARDINO
Hard money for San Bernardino and San Bernardino County: written terms first, wire in five to seven 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
Warehousing rewrote San Bernardino. The airport on the old Norton grounds and the rail and interstate crossings turned the city into a logistics node, and that employment supports a large working renter base. The county seat sits downtown, Cal State San Bernardino anchors the north end, and the foothills toward Arrowhead hold the higher ground.
Every program on this site is available on San Bernardino property and across San Bernardino County. Investors who also buy in Rialto, Fontana and Moreno Valley run those deals through the same desk, which is the point: one lender who already knows the borrower, the entity and the exit strategy.
A San Bernardino investor gets a direct line to the lender. No intake team, no file handed down a chain, no bank underwriter three weeks out. Written terms come first, then title and escrow, then the wire, usually inside a week.
© THE COST SAN BERNARDINO · CA
WHAT DO SAN BERNARDINO HARD MONEY LOANS COST
There is no San Bernardino rate sheet separate from the national one. Bridge from 9.00%, up to 75% LTV on residential, one or two year terms, and loans from $150,000 to $25,000,000 on business purpose files. The property and the exit set the number, not the ZIP code.
A San Bernardino file gets a full written term sheet up front: rate, leverage, term, points and conditions. Nothing gets re-traded at the table. No prepayment penalty on bridge, minimal documentation, and funding in five to seven days.
| 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 |
| 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.
The ranges above are what is actually available. Send the San Bernardino address and what you intend to do with it and the quote comes back with the exact rate, leverage and term for that deal.
© WHY LOAN GOAT SAN BERNARDINO · CA
WHY LOAN GOAT IN SAN BERNARDINO
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
The reason investors move a San Bernardino file to a private lender is time. A bank takes thirty to sixty days and asks for two years of returns. This desk takes days rather than weeks and asks for the address, the price and the plan. In a market where the seller has other offers, that is the whole deal.
Postwar single story stucco and frame houses in volume, older bungalows near the historic core, dated apartment and fourplex inventory along the main corridors, and industrial and distribution buildings near the airport and rail. All of it is financeable, purchase, refinance or cash-out.
Low entry basis and strong rental demand put buy and hold first, with fourplex value-add close behind. Flips clear on tired postwar stock, and industrial or flex property near the logistics corridors suits investors chasing commercial income. Bridge for the buy, construction for the build, DSCR for the hold: the same three doors most of these plays run through.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
SAN BERNARDINO DEALS, FUNDED FROM SAN DIEGO.
San Bernardino County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS SAN BERNARDINO · CA
MOST COMMON SAN BERNARDINO LOAN SCENARIOS
- 1031 EXCHANGE Exchange deadlines do not move, so San Bernardino replacement purchases get funded on the calendar, not on a bank's.
- AUCTION & HUBZU Auction and Hubzu purchases in San Bernardino County funded on the short settlement clocks those platforms run.
- BANKRUPTCY BUYOUT Payoff money to clear a bankruptcy or partner buyout on a San Bernardino property before the deadline.
- BANK STATEMENT LOANS Bank statement underwriting for San Bernardino investors whose returns do not show the income the deal actually produces.
- FORECLOSURE AUCTION San Bernardino foreclosure buys where the money has to be certain before the gavel.
- FOREIGN NATIONAL No US credit history and no domestic tax returns is a normal San Bernardino file here.
- NON-WARRANTABLE CONDOS Condos in San Bernardino that agency guidelines will not take, financed on their own merits.
- SELF-EMPLOYED Self-employed San Bernardino investors underwritten on the property instead of two years of returns.
- VACATION RENTAL Short-term rental acquisitions and refinances in and around San Bernardino, underwritten on the asset.
- CASH OFFERS ONLY Cash-equivalent certainty for a San Bernardino offer that has to beat financed competition.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN SAN BERNARDINO
- 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 Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. 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 Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. 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 SAN BERNARDINO · CA
PROPERTY TYPES WE FINANCE IN SAN BERNARDINO
- MULTI-FAMILY Duplexes through apartment buildings across San Bernardino on bridge, DSCR and commercial programs.
- MIXED-USE San Bernardino mixed-use where a bank balks at the commercial half of the rent roll.
- RETAIL San Bernardino retail purchase, refinance and cash-out on the bridge program.
- AGRICULTURAL Working farmland in San Bernardino County financed where a bank will not.
- CANNABIS San Bernardino County cannabis real estate on private terms.
- AUTOMOTIVE & GAS STATION Service stations and automotive property in the San Bernardino market.
© THE APPROACH SAN BERNARDINO · CA
HOW WE LEND IN SAN BERNARDINO
Most lenders compete on one line of that table. This one is built to hold every line at once, which is why a San Bernardino borrower gets leverage and speed in the same quote rather than trading one for the other. If the numbers do not work, you are told early and directly.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
SAN BERNARDINO BORROWERS, IN THEIR WORDS
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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 -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS -
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 -
Working with Loan Goat has been an absolute game-changer in my home-buying journey! From the start, Milad, brought a level of expertise and care that made the process smooth and stress-free. His team's dedication to customer service is...
ALIZE RIOS
© QUESTIONS SAN BERNARDINO · CA
SAN BERNARDINO 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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Yes. Loan Goat funds investment property in San Bernardino and across San Bernardino County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and San Bernardino files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a San Bernardino deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across San Bernardino County. Owner-occupied has its own program. If the San Bernardino asset produces or will produce value, there is usually a structure for it.
Property types -
Yes. A fourplex in San Bernardino or anywhere in San Bernardino County fits our fix and flip or bridge programs during the work, with the rehab budget funded alongside the purchase. Once the units are leased, a rental property DSCR loan takes it out. Bridge starts at 9.00% and carries no prepayment penalties.
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Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.
Bridge loan terms -
Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.
Self-employed borrowers -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs
© WHERE WE LEND SAN BERNARDINO · CA
SAN BERNARDINO, 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 SAN BERNARDINO · CA
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