Trusted Hard Money Lenders Serving San Bernardino

Speed is the primary reason investors pivot away from traditional banks toward private capital. In competitive markets like San Bernardino, waiting thirty to forty-five days for a bank to approve a mortgage often means losing the property to a cash buyer.

Our team prioritizes rapid execution by focusing our underwriting on the physical real estate rather than exhaustive personal background checks. For standard residential investment properties, we typically move from the initial consultation to final funding in approximately seven business days.

Commercial projects generally require about two weeks to finalize due to the additional complexity of the asset. As a veteran Los Angeles Hard Money Lender serving the entire Southern California region, we have the infrastructure to ensure your San Bernardino acquisition doesn’t stall due to financing delays.

Repayment structures need to align with your specific investment timeline, whether you are flipping a house or stabilizing a commercial unit. We avoid a “one-size-fits-all” approach, preferring to customize the note to your business plan.

Our interest rates generally start around 8.99%, depending on the specific characteristics of the collateral and your lien position. We provide a range of capital from $50,000 up to $25 million to accommodate projects of all scales.

We offer several flexible repayment paths:

• Interest-Only Terms: Available for up to 24 months, which is ideal for fix-and-flip investors looking to keep monthly overhead low.

• Amortized Options: We can provide partially or fully amortized terms for up to 10 years for those needing a longer-term bridge.

   

• No Prepayment Penalties: In many scenarios, we can structure the loan to allow for early payoff without extra fees, giving you maximum exit strategy flexibility.

Institutional lenders often view a credit score as a definitive “go or no-go” signal, but private lending operates on a different set of values. We understand that successful entrepreneurs often have complex financial histories that don’t always translate into a high FICO score.

We do not enforce a minimum credit score for our loan approvals. Instead, we prioritize the equity in the property and the overall strength of the deal. Our underwriters look for a clear exit strategy and a realistic budget rather than fixating on your personal debt-to-income ratio.

By looking at the “hard asset” first, we can provide Los Angeles Hard Money Loans to San Bernardino investors who have been turned away by banks. This asset-based approach allows us to fund deals for borrowers with previous foreclosures, bankruptcies, or irregular income documentation.

Diversifying your portfolio requires a lender who is comfortable with more than just single-family homes. Since 2003, we have successfully financed an incredibly wide array of real estate across the state.

Our capital is available for a variety of property types, including:

• Residential fix-and-flips, townhomes, and condos

• Multi-family apartment complexes (5+ units)

   

• Commercial assets like retail centers, industrial warehouses, and offices

   

• Mixed-use buildings and even vacant land for development

   

Whether you are seeking a bridge loan for a vacant commercial plaza or need immediate cash for a residential renovation, our team tailors the underwriting to the unique risks and opportunities of that specific asset class.

Protective equity is the cornerstone of any private mortgage, as it ensures both the lender and the borrower are appropriately protected. The amount of cash you need to bring to the table depends largely on the type of property you are financing.

For residential investments, our standard maximum is 65% of the property’s value. If you are pursuing a commercial deal, the limit is typically 60% LTV. In cases where the deal has exceptional profit margins or significant compensating factors, we can occasionally stretch these limits to 75% on a case-by-case basis.

When you are looking to pull cash out of an existing property, we use these same percentages to determine how much liquidity you can unlock. Utilizing Los Angeles Hard Money Loans to leverage the equity in your current San Bernardino holdings is a common way for our clients to fund their next purchase without needing to find a new outside partner.

Yes, Vantex Capital Group routinely funds 2nd trust deeds. If you have a low-interest first mortgage that you do not want to disturb, we can provide a junior lien based on the remaining equity to give you the cash out you need for other investments. We are leaders in San Bernardino hard money lending when it comes to creative lien structures.

We do fund ground-up construction for experienced builders who have fully entitled lots. We will evaluate the project’s loan-to-cost (LTC) and after-repair value (ARV) to provide milestone-based draw schedules as your construction progresses. You can find out more about eligible property types via our commercial hard money loan section.

While the majority of our private money loans require a personal guarantee, we do consider non-recourse structures on a case-by-case basis for highly stabilized commercial assets with exceptionally strong loan-to-value ratios.

Unlike conventional lenders who typically require six to twelve months of title seasoning before allowing a cash-out refinance, we have zero seasoning requirements. If you bought a property at a steep discount and have verified equity, you can access that capital immediately. This rapid liquidity is what makes San Bernardino hard money lending so valuable for aggressive investors.

We primarily focus on urban and suburban real estate markets, but we do consider rural properties on a case-by-case basis if there is a strong residential or commercial use. Extensive acreage without income-producing structures is heavily scrutinized. For standard residential terms, review our residential hard money loan page.