Skip to main content
Apply nowApply now
Direct private lending in most states
Call us anytime at 512-617-9400
Program 06
Bank Statement / No-Doc in San Bernardino
San Bernardino County bank statement loans built for self-employed income.
Built for self-employed investors whose tax returns don't tell the whole story. We qualify on bank-statement cash flow or on the asset itself, with no W-2s and no tax returns, so write-offs and a complex return don't work against a strong borrower. San Bernardino County runs on logistics and construction trades on the valley floor and a license-dependent vacation rental economy in the mountains, both of which produce real, verifiable income that rarely shows up as a W-2. Business-purpose only, and every structure is set in underwriting.
0
tax returns
No-doc
options
Self-employed
friendly
$3M
max loan
Typical figures, subject to underwriting and market conditions. Not a commitment to lend.
How it works
We can underwrite using 12 to 24 months of bank statements, or structure a no-doc loan that leans on the property and your reserves. It fits business owners, 1099 earners, and investors who don't fit a conventional income box.
Who it's for
Self-employed investors
Business and 1099 income
Investors with heavy write-offs
Personal name or LLC
Typical terms
Loan amount$100K to $3M
Income docsBank statements or none
PropertyInvestment / business-purpose
TermShort-term or 30-yr
CreditFrom 640
Down paymentFrom 20%
*Typical terms, subject to underwriting and market conditions.
Run your Bank Statement / No-Doc numbers.
Pressure-test the deal in seconds with our free bank statement income calculator, no sign-up required.
Local FAQ
Bank Statement / No-Doc in San Bernardino, answered.
Who in San Bernardino County actually uses a bank statement loan instead of a conventional one?
Investors whose income comes from a business or contract work, not a W-2. The county's self-employed base sits close to its logistics economy: owner-operator truckers, drayage and freight brokers, and warehouse labor contractors working the same warehouse concentration region the Legislature named eight of this county's cities for. A bank statement loan reads 12 to 24 months of deposits instead of a Schedule C, so income that is real but lumpy or write-off-heavy on a return doesn't work against the borrower.
I'm a trades contractor working the new construction going up around Fontana, Ontario and Rancho Cucamonga. Does that kind of income qualify?
Yes, and it's exactly the income profile this program is built to read. San Bernardino County authorized between 3,578 and 4,006 single-family units a year from 2022 through 2025, a steady flow of work for the framers, electricians and other trades who serve it. That income typically comes in as 1099 or business deposits rather than a W-2, and this program qualifies on 12 to 24 months of bank statements instead of a tax return built to minimize taxable income.
I operate a vacation rental in Big Bear Lake or Lake Arrowhead. My income is seasonal and depends on a license. Can I still qualify?
Yes, on your deposits, not on the license surviving a hypothetical sale. Vacation rental operators and property managers in the mountain communities are a genuine alt-doc population here: their income is seasonal and tied to a permit that does not transfer with a change of ownership, so a conventional lender reading a thin or irregular tax return can miss what actually moved through the business. A bank statement loan reads the deposits themselves, seasonality included, over 12 to 24 months.
I want to qualify on a San Bernardino County property's rent instead of my own income. Is bank statement still the right program?
Possibly not, and it's worth flagging before you apply. If the income you want to qualify on is the rental itself, our DSCR rental loan underwrites the property's rent, not your bank deposits. Gross yields run from 3.34% in Upland up to 6.34% in Adelanto as of July 2026, with the High Desert cities generally out-earning the valley floor on a lower basis. Bank statement loans are built for the case where the qualifying income comes from a business or contract work, not a rent roll.
Does my income need to come from a San Bernardino County business, or can I qualify on deposits from work anywhere?
The property has to be here, but the qualifying deposits don't have to come from a San Bernardino County business. This is business-purpose lending against San Bernardino County real estate, and we read your bank statements for cash flow regardless of where the underlying business or contract work is based, which matters for owner-operator truckers and trades contractors who work jobs across the Inland Empire and beyond.
How much do I need to put down on a San Bernardino County bank statement loan?
From 20% of the purchase price. On a $500,000 purchase in the city of San Bernardino that is $100,000 down and up to $400,000 from us (500,000 x 20% = 100,000). Twenty percent is the floor rather than the expectation: a lumpier deposit history, a thinner reserve position or a weaker property usually moves the down payment up rather than turning the file down. Bring 12 to 24 months of statements and we will tell you where yours lands. Subject to underwriting.
FAQ
Bank Statement / No-Doc questions, answered.
What is a bank statement loan, and how is it different from a no-doc loan?
A bank statement loan qualifies you on 12 to 24 months of business or personal bank deposits instead of tax returns, which suits self-employed borrowers whose returns understate their real income. A no-doc (or no-ratio) loan goes further and leans on the property and your reserves rather than any income calculation. Both are business-purpose loans for investment property, not consumer mortgages.
Do I really not need tax returns or W-2s?
Correct. We do not ask for tax returns, W-2s, or pay stubs on these programs. We verify the deal, your credit, and either your bank-statement cash flow or your reserves, depending on the structure. It is built so write-offs and a complex return do not work against a strong borrower.
Who is a bank statement or no-doc loan best for?
Self-employed investors, business owners, and 1099 or commission earners whose write-offs shrink their taxable income. If your bank deposits tell a stronger story than your tax return, this is usually the right fit.
What credit score and down payment do I need?
We lend from a credit score of 640, with the best terms going to stronger credit, and a down payment starting around 20%. Across the market these programs often want 660 or higher and 20% to 30% down. Stronger credit and more equity improve both your rate and your leverage.
What rates and terms can I expect?
Pricing is higher than a fully documented conventional loan because the lender takes on more uncertainty, and it varies with your credit, leverage, and the structure. We offer both short-term and long-term options, so we match the term to whether you are flipping, bridging, or holding.
Can I close in an LLC?
Yes. These are business-purpose loans and routinely close in an LLC or other entity. Holding investment property in an entity is standard and often preferred.
Resources
Guides for Bank Statement / No-Doc
Rental / DSCR · 5 min read
What Is a DSCR Loan? How Investors Qualify on Rental Income
Read the guide Rental / DSCR · 5 min read
DSCR vs Conventional Loan: Which Is Better for Investment Property?
Read the guide Bank Statement / No-Doc · 5 min read
Bank Statement and No-Doc Loans for Self-Employed Investors
Read the guide Rental / DSCR · 5 min read
How to Finance a Rental Property in an LLC
Read the guide Compare
Bank Statement / No-Doc vs. other options
More in San Bernardino
Other programs in San Bernardino
Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalConventional InvestmentNon-owner-occupied investmentPortfolio LoansMultiple properties, one loanCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
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.
Funding San Bernardino deals fast.
Get real terms, usually same day. No obligation, no hard credit pull to start.