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Program 02

Fix and Flip in San Bernardino

Fix and flip loans for San Bernardino County investors.

Fund your next San Bernardino County flip with up to 90% of the purchase price and up to 100% of the rehab budget, capped to ARV, on a 6-month interest-only term. This county's housing stock skews older, from the city of San Bernardino to Colton and Rialto, so the deal usually turns on the rehab scope, not the entry price. We fund with our own capital, on business-purpose property only, subject to underwriting.

Fix and Flip in San Bernardino, CA from USA Mortgage
90%
of purchase
100%
of rehab
Same day
term sheet
$5M
max loan

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Draws are reimbursed quickly as work is completed, and a dedicated closer stays with your file from term sheet to payoff. You can get a term sheet the same day, and we typically fund within 48 hours of clear title, so most flips close in 5-7 days as soon as title and insurance come together.

Who it's for
Active fix and flip investors
First-time flippers welcome
Single-family and 1-4 units
Value-add and distressed buys
Auction and on-market deals
Typical terms
Loan amount$100K to $5M
Purchase leverageUp to 90% LTP
Rehab fundingUp to 100%
Term6 months
RateFrom 9.99%*
PaymentsInterest-only
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

Fix and Flip in San Bernardino, answered.

What actually gates a rehab timeline in San Bernardino County?
The city building department, not the county. Permit fees, plan-review timelines, and impact fees are set by the jurisdiction issuing the permit, and no county-wide fee schedule or review timeline is verified at a primary source, so we quote none: a Fontana rehab and a Redlands rehab can run on different clocks and different fee sheets entirely. Confirm the schedule with the city before you lock the rehab budget, not after.
Does the property tax stack on a San Bernardino County flip work differently for an investor than for an owner-occupant?
Your purchase price becomes the new tax base, and it starts fresh whether you're a homeowner or an LLC. California's Proposition 13 caps the ad valorem rate at 1% of full cash value and holds annual growth to 2%, with no separate rate for an investor versus an owner-occupant, so a business-purpose buyer pays the same ad valorem line a homebuyer would. Where a property sits inside a community facilities district, though, a special tax rides on top on its own schedule: San Bernardino County's own CFD 2006-1 (Lytle Creek North) raises its maximum special tax every July 1 by at least 2% a year, even in a flat market. A flip investor should read the secured tax bill before setting the hold-period budget, and a buyer planning to hold the property as a rental after rehab can size that special-tax line into a DSCR loan from the start.
Does insurance change much across San Bernardino County?
Yes, structurally, not just by price. The county spans three different peril profiles: wildland-urban interface forest in the mountain resort belt around Big Bear Lake and Lake Arrowhead, wind and blowing-sand exposure in the High Desert around Victorville and Hesperia, and an ordinary quote on the Valley floor. Underwrite the region the collateral sits in, not the county as a whole, and get a wildfire quote in the file before the term sheet on any mountain property. Carry replacement cost coverage, not actual cash value, on the rehab.
Do I have to disclose the rehab work when I sell the flipped property?
Yes, if you sell within 18 months of taking title. California's flip-disclosure law, Civil Code section 1102.6h, requires a seller of a 1-4 unit property who accepts an offer inside that window to disclose room additions, structural modifications, and other repairs, along with the contractors who did the work, and permits may be attached. Build the file as you go, contractor names, scopes, and permits, so the disclosure is a paperwork step at close, not a scramble.
Does the county's Mello-Roos disclosure duty affect a flip exit?
It can, in the newer tracts. Where a property sits inside a community facilities district, a seller owes the buyer a Notice of Special Tax under Civil Code section 1102.6b, and that duty travels with the parcel through a flip the same as any other sale. Fontana, Chino, and newer Ontario tracts are where this shows up most in this county. Pull the secured tax bill by APN and read the fixed-charge lines before you list.
Where's the rehab inventory in San Bernardino County, and does it change the entry basis?
It runs older toward the Valley and to a lower entry basis toward the High Desert. The county's median year built is 1983, and the city of San Bernardino itself sits at 1973, with the deepest value-add stock concentrated in San Bernardino, Colton, Rialto, and the older Ontario and Fontana tracts. Victorville and Hesperia sit on roughly half the entry basis of Rancho Cucamonga, with rents still climbing. Either lane carries the same two California compliance items at exit: the resale disclosure duty above and the Mello-Roos notice duty where a CFD applies.

More Fix and Flip questions, answered on the program page

Resources

Guides for Fix and Flip

Fix and Flip · 6 min read
Fix and Flip Loan Requirements: What You Need to Get Funded
Read the guide
Strategy · 6 min read
Financing the BRRRR Method: Buy, Rehab, Rent, Refinance, Repeat
Read the guide
Fix and Flip · 5 min read
What Is ARV (After-Repair Value) and How Do You Calculate It?
Read the guide
Rates & Costs · 5 min read
Hard Money Loan Rates and Costs, Explained
Read the guide
Browse all guides
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Fix and Flip vs. other options

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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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