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San Bernardino Hard Money and Investor Loans

Two cities here inspect your rental whether or not a tenant complains.

USA Mortgage funds investors across San Bernardino County. State warehouse siting law names this county's cities most often. The Valley and High Desert run on different economics. Every loan is business-purpose only, terms set in underwriting.

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You hear the decision from the people who underwrote your deal.

Second Mortgage

Tap San Bernardino rental equity with a second mortgage.

Pull equity from a San Bernardino County rental without a refinance. 660 min FICO, up to 80% CLTV. Business purpose only, subject to underwriting.

$1M
max loan
80%
max CLTV
660
min FICO
3-4 weeks
to close

Typical terms, subject to underwriting and market conditions. Investment property and business purpose only. Not a commitment to lend.

The special tax has a floor, not just a ceiling

The county's own CFD 2006-1 raises its maximum special tax every year by at least 2%, even in a year of flat or falling costs, with a 4% cap. Read the rate and method of apportionment on a rental purchase, not just the current bill.

The high desert out-yields the valley on half the basis

As of mid-2026, Victorville and Hesperia clear meaningfully higher gross rental yields than Rancho Cucamonga and Upland, on homes priced roughly half as much, and rents there are rising fastest where the purchase basis is lowest.

State law named this county's cities more than any other

Eight of the twelve cities in California's warehouse concentration region sit in San Bernardino County, and a new logistics building there must set loading bays back from nearby homes. An existing conforming building keeps its position; a new one has to earn it.

Loan programs in San Bernardino

Acquisition through exit, all funded or arranged by one lender.

Second Mortgage in San BernardinoFix and Flip in San BernardinoRental / DSCR in San BernardinoGround-Up Construction in San BernardinoCRE Bridge in San BernardinoTransactional Funding in San BernardinoBank Statement / No-Doc in San BernardinoConventional Investment in San BernardinoPortfolio Loans in San BernardinoCRE Permanent in San BernardinoSBA Financing in San Bernardino

San Bernardino lending questions

Do you lend across all of San Bernardino County, not just the city of San Bernardino?
Yes, across San Bernardino County. We fund deals in San Bernardino, Ontario, Rancho Cucamonga, Fontana, Victorville, Redlands, Chino, and Hesperia. We're headquartered in Bee Cave, Texas, and every loan is business-purpose only, on investment property, with terms subject to underwriting. See how we lend across California or talk to us.
Why does a San Bernardino County special tax bill sometimes go up even when my assessed value barely moves?
Because a Mello-Roos special tax can carry its own floor, separate from Proposition 13's cap. The county's Community Facilities District No. 2006-1 raises its maximum special tax by the change in a cost index each July 1, with a minimum annual increase of 2% and a maximum of 4%, regardless of how the property's assessed value moves. One tax in that district also sits at zero today only while the homeowners association keeps maintaining the parks, and can switch on at nearly double the current special-tax burden if it stops. Pull the current tax bill by APN and read the rate and method of apportionment before you size a purchase. Talk to your CPA or tax advisor about your own position. See the DSCR program. Subject to underwriting.
Can I run a short-term rental on a San Bernardino County property I'm buying?
Only if it sits in the unincorporated Mountain or Desert regions, and the seller's permit does not carry over. The county allows short-term rental permits only in those two regions, not in the unincorporated Valley, and each incorporated city sets its own rule regardless. Any new grant deed, even into your own LLC, requires a fresh application, a new inspection, a 20-day neighbor comment period, and a 30-day appeal window before a permit reissues. Underwrite the acquisition with that income at risk for at least a quarter, or underwrite it to long-term rent. See the fix and flip program. Subject to underwriting.
Are San Bernardino County home values falling like the rest of the Inland Empire?
No, this county's values have held up better than that framing suggests. As of July 2026, every one of the eight cities we lend in was flat to modestly up year over year on Zillow's single-family index, with the county's older, lower-cost cities up the most. The county also carries an older housing stock than the region overall, with a median year built of 1983 against 1990 next door in Riverside County, and the High Desert cities post the highest rental yields on the lowest purchase basis. See the DSCR program. Subject to underwriting.
Why does it matter that a lender knows San Bernardino County's warehouse rules before funding a bridge or construction loan?
Because state law now treats this county's logistics sites differently, and the difference changes what you can build or reposition. California's warehouse concentration region, effective January 1, 2026, names eight San Bernardino County cities specifically: Chino, Colton, Fontana, Ontario, Rancho Cucamonga, Redlands, Rialto, and San Bernardino. A new logistics use on non-industrial land in those cities must set truck loading bays back 500 feet from housing, while a logistics use already in place as of September 30, 2024 keeps its existing position. We underwrite each deal on the property and the numbers, but a file inside this region needs that grandfather date checked before anyone prices it. See the commercial bridge program. Subject to underwriting.
Serving San Bernardino and nearby
San BernardinoOntarioRancho CucamongaFontanaVictorvilleRedlandsChinoHesperia
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-09-04.

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