San Bernardino, CA · DSCR Rental Loans
DSCR Rental Loans in San Bernardino
Qualify your rental on the property, not your tax returns. Close in 21 days.
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.
DSCR Rental Loans: San Bernardino terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Common questions — San Bernardino DSCR loans
Does 818 Capital offer DSCR loans in San Bernardino?
Yes. 818 Capital Partners is a direct private lender originating DSCR Rental Loans for investor properties throughout San Bernardino and the greater Inland Empire market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in San Bernardino?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What San Bernardino neighborhoods do you lend in?
We actively finance DSCR loans across North San Bernardino, Del Rosa, University District, Verdemont, and other submarkets of Inland Empire.
How fast can 818 Capital close a DSCR loan in San Bernardino?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in San Bernardino
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
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental 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.