San Bernardino, CA · Ground-Up Construction Loans
Ground-Up Construction Loans in San Bernardino
Fund land, build, and long-term refi in one seamless loan.
Why San Bernardino investors choose 818
San Bernardino is Southern California's yield market — logistics and warehouse employment anchor a deep workforce-renter base, and 2–4 unit prices run at a fraction of coastal LA. Flippers and buy-and-hold investors both work the same streets; the difference is the exit, and both need a lender who prices Inland Empire risk on data instead of headlines.
Our edge here: 88% LTC fix & flip with same-day draws after inspection, and a DSCR exit pre-modeled — built for the Inland Empire's rehab-to-rental pipeline.
Ground-Up Construction Loans: San Bernardino terms
Term
12–24 month construction, converts to 30-year DSCR
Leverage
Up to 85% LTC, 70% LTV on completion
Credit minimum
680
Close time
30–45 days
Qualification
Pro-forma DSCR + sponsor build experience
Ideal for
Developers building 1–20 unit ground-up spec, BRRRR investors building instead of buying existing stock, and infill builders with approved permits.
Common questions — San Bernardino construction loans
Does 818 Capital offer construction loans in San Bernardino?
Yes. 818 Capital Partners is a direct private lender originating Ground-Up Construction Loans for investor properties throughout San Bernardino and the greater Inland Empire market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in San Bernardino?
12–24 month construction, converts to 30-year DSCR. Up to 85% LTC, 70% LTV on completion. Minimum credit score 680. Typical close time: 30–45 days. Qualification: Pro-forma DSCR + sponsor build experience.
What San Bernardino neighborhoods do you lend in?
We actively finance construction loans across North San Bernardino, Del Rosa, University District, Verdemont, and other submarkets of Inland Empire.
How fast can 818 Capital close a construction loan in San Bernardino?
Our typical close time for a Ground-Up Construction Loans is 30–45 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in San Bernardino
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Apartment & Multifamily Loans
5+ unit apartment buildings. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans in other markets
Ready to close your San Bernardino deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.