San Bernardino, CA · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in San Bernardino
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: San Bernardino terms
Term
30-year fixed, 10-year I/O, 5/1 ARM
Leverage
Up to 75% LTV purchase
Credit minimum
680
Close time
25–35 days
Qualification
STR DSCR ≥ 1.0 on AirDNA or verified operating history
Ideal for
STR investors tired of lenders using LTR rent comps that kill the deal, Airbnb hosts buying their 2nd–10th property, investors in regulated STR markets (Nashville, Austin, Orlando) who need a lender that understands the rule set.
Common questions — San Bernardino STR loans
Does 818 Capital offer STR loans in San Bernardino?
Yes. 818 Capital Partners is a direct private lender originating Short-Term Rental (STR) Loans for investor properties throughout San Bernardino and the greater Inland Empire market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in San Bernardino?
30-year fixed, 10-year I/O, 5/1 ARM. Up to 75% LTV purchase. Minimum credit score 680. Typical close time: 25–35 days. Qualification: STR DSCR ≥ 1.0 on AirDNA or verified operating history.
What San Bernardino neighborhoods do you lend in?
We actively finance STR loans across North San Bernardino, Del Rosa, University District, Verdemont, and other submarkets of Inland Empire.
How fast can 818 Capital close a STR loan in San Bernardino?
Our typical close time for a Short-Term Rental (STR) Loans is 25–35 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.
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.
Short-Term Rental (STR) 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.