San Bernardino
Investment Property Lenders

Down payment requirements depend on the loan program. Conventional loans need 3–20% down — on San Bernardino's $425,000 median price that ranges from $14,875 to $85,000. FHA loans require 3.5% ($14,875). VA loans for eligible veterans require zero down. Investment property loans typically require 20–25% ($85,000–$106,250). The right number depends on your loan type and credit profile — we'll help you find the lowest viable down payment for your situation.

Standard purchase loans in San Bernardino close in 21–30 days with a complete file. Buyers using VA loans should plan for 30–45 days to allow time for the VA appraisal. DSCR and investment property loans can close in 14–21 days. Fix-and-flip hard money loans can fund in as few as 7–10 days. The biggest delays come from incomplete documentation — having your income, asset, and ID documents ready at application can shave a week off the timeline.

Most DSCR lenders require a minimum ratio of 1.0, meaning the property's gross rental income covers 100% of the PITI payment. Some programs go down to 0.75 DSCR with higher rates. With San Bernardino's median home price at $425,000, monthly rents typically need to reach $2,975+ to hit a 1.0 DSCR. Markets with +9.2% annual appreciation and strong rental demand like San Bernardino often support healthy DSCR ratios — especially in established rental corridors.

Yes. DSCR loans qualify you based on the property's rental income — no W-2s, tax returns, or employment verification needed. Bank statement loans use 12–24 months of deposits to document income for self-employed borrowers. P&L-only loans are available for business owners. These programs exist specifically for San Bernardino investors with complex income structures. Rates run slightly higher than conventional loans (typically 0.5–1.25% premium), but the flexibility often outweighs the cost when your tax returns don't tell the full income story.

Hard money fix-and-flip loans in San Bernardino can close in 7–14 days with an experienced lender. The key inputs are the purchase price, rehab budget, and the after-repair value (ARV) — lenders typically fund 70–80% of ARV. On a $425,000 acquisition with 20% value-add potential, that could mean financing the purchase plus the majority of rehab costs. Speed matters in San Bernardino's market where days on market average 38 — having a committed lender ready can make your offer competitive against all-cash buyers.