San Bernardino, CA · Apartment & Multifamily Loans
Apartment & Multifamily Loans in San Bernardino
5+ unit deals need a lender who's closed them. We have.
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.
Apartment & Multifamily Loans: San Bernardino terms
Term
2-year bridge through 30-year permanent
Leverage
Up to 80% LTV (agency), 75% LTC (bridge)
Credit minimum
Sponsor experience-driven, 680+ typical
Close time
45–75 days
Qualification
Property NOI + sponsor track record
Ideal for
Small multifamily investors stepping up from 2–4 unit, syndicators raising capital who need a reliable debt quote, 1031 exchange buyers targeting multifamily, and bridge-to-perm rehab plays.
Common questions — San Bernardino apartment loans
Does 818 Capital offer apartment loans in San Bernardino?
Yes. 818 Capital Partners is a direct private lender originating Apartment & Multifamily Loans for investor properties throughout San Bernardino and the greater Inland Empire market. 5+ unit deals need a lender who's closed them. We have.
What are typical apartment loan terms in San Bernardino?
2-year bridge through 30-year permanent. Up to 80% LTV (agency), 75% LTC (bridge). Minimum credit score Sponsor experience-driven, 680+ typical. Typical close time: 45–75 days. Qualification: Property NOI + sponsor track record.
What San Bernardino neighborhoods do you lend in?
We actively finance apartment loans across North San Bernardino, Del Rosa, University District, Verdemont, and other submarkets of Inland Empire.
How fast can 818 Capital close a apartment loan in San Bernardino?
Our typical close time for a Apartment & Multifamily Loans is 45–75 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.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans
Fund the build. Refinance into a DSCR on stabilization.
Apartment & Multifamily 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.