San Bernardino Hard Money Loans

Private Money for San Bernardino Investors

Some San Bernardino deals need a lender that looks first at the property and the plan. Miamar Realty helps investors and builders in San Bernardino County find private, business-purpose financing for non-owner-occupied property. The San Bernardino Transit Center connects Metrolink and bus service, and the I-10, I-215, and SR-210 serve the city.

What Investors Use It For

Investors commonly use private money for: Bridge loans to buy before another property sells. Fix-and-flip: buy a house that needs work, renovate it and resell it. Rental purchases, including small multi-unit buildings. Construction or heavy renovation on investment property. Small multi-unit buildings and condos in San Bernardino can be candidates for bridge or rental financing, depending on the lender.

How Hard Money Works

Hard money is asset-based. A private lender looks mainly at the property, its value after any planned work and your plan to repay, usually by selling or refinancing. Lenders still review the borrower, and terms are usually short. We also serve investors in Rialto, Colton and Grand Terrace.

Start a Conversation About Your Project

Call or text Jay at (949) 822-8702, or text us about your project with the property city and your plan. Please mention Hard Money Page – San Bernardino so we know which page you saw. Looking for property? See San Bernardino Homes for Sale.

San Bernardino Hard Money FAQs

Does it cost more than a bank loan?
Usually yes. Private loans tend to have higher rates, points and fees than bank financing. Exact terms come only from the lender.

Can you help me find the property too?
Yes. Jay is a licensed broker and can help you find and buy investment property. Using our financing help is never required.

Private, business-purpose loans for non-owner-occupied real estate only, not for a home you will live in. Funded by third-party private lenders or investors, not by Miamar Realty. They usually cost more than bank loans and may end in a balloon payment. If you cannot sell or refinance in time, you could lose the property. This is not a commitment to lend. All loans are subject to lender approval, property review and underwriting, and not all applicants qualify. If Jay is also your agent, he may be paid in both roles. You may use any lender. Jay Romero, DRE 01343079, Miamar Realty. Real estate broker, California Department of Real Estate. Equal Housing Opportunity.

Keep Exploring

• San Bernardino Home Sellers Guide
• San Bernardino County city guides
• Selling with Miamar Realty