San Bernardino County Private Money Lenders for Real Estate Investors

Seeking a private money loan secured by real estate in San Bernardino County? On this page you'll find a list of direct private money lending companies that offer fast funding for an San Bernardino County property purchase, refinance, or equity cash out in 1st lien position. Private money loans are for short term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. So you'll need a 30%+ down payment for a purchase, and for a refinance, the maximum loan-to-value is 70%.
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Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
Easy Street Capital

Direct Lender for Residential Flips and Rentals

$75,000 - $2,000,000
6 to 12 months
9.90% - 12.90%
1.50% - 3.00%
MOR Financial

Direct Lender for California Investment Properties

$100,000 - $3,000,000
6 to 36 months
7.99% - 11.99%
0 - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
RCN Capital

Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans

$75,000 - $10,000,000
12 to 360 months
8.00% - 13.00%
2.00% - 5.00%
Pivotal Capital Group II, LLC

$150,000 - $20,000,000
3 to 24 months
8.50% - 10.00%
0.50% - 2.25%
Arch Loans

Low and High Leverage Options, up to 90% of purchase price for fix & flip

$100,000 - $10,000,000
1 to 12 months
8.00% - 15.00%
1.00% - 3.00%
Diversified Mortgage

Multifamily Bridge Loans only. Interest Rates are 8.5% for 4-year term, 8.25% for 2 years, 7.95% for 1 year.

$50,000 - $3,000,000
6 to 48 months
8.25% - 8.50%
2.50% - 3.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
Pacific Capital Funding Corp

#1 Choice for Real Estate Private Money Funding

$50,000 - $20,000,000
6 to 360 months
6.99% - 13.99%
1.00% - 5.00%
Mortgage Vintage

Fast and Professional Hard Money Loans (1st or 2nd lien)

$50,000 - $5,000,000
12 to 48 months
7.99% - 15.00%
2.00% - 4.00%
PrideCo Loans Inc.

Family Office Hard Money Lender for Multifamily and Residential Investment Properties

$150,000 - $3,000,000
6 to 18 months
10.50% - 12.00%
1.00% - 2.00%
Secured Capital Lending

Direct Private Lender for California Investment Properties

$100,000 - $20,000,000
12 to 360 months
8.99% - 11.99%
1.00% - 2.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Nationwide Mortgage - California

Bridge, Rehab, Construction, & Rental

$100,000 - $10,000,000
4 to 360 months
7.25% - 12.50%
0 - 2.00%
Cityscape Finance, LLC

Price a Loan Online and Get Pre-Qualified Instantly

$75,000 - $4,000,000
6 to 36 months
8.50% - 12.75%
SDC Capital

Family Office Lender. No 3rd-party appraisal (typically). Soft Money Terms in 1st or 2nd Lien Position.

$250,000 - $5,000,000
3 to 24 months
8.99% - 9.99%
1.00% - 2.00%

California Private Money Interest Rates

lightning docs logo

According to the private money loan documents software company, Lightning Docs, the average interest rate for California private money loans in the 4th quarter of 2023 was 11.31%. The average loan amount was $626,915. These stats are the average of 884 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in California between October 1, 2023 and December 31, 2023 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.

 

analytics logics logo

According to private lending data provider, Analytics Logics, the average interest rate for California private money loans in the 4th quarter of 2023 was 10.61%. Lenders charged an average of 1.9% points (origination fee). The average LTV (loan-to-value) for private money loans in California was 63%, and the average loan amount was $753,004. These stats are the average of all the loans which were funded between October 1, 2023 and December 31, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

 

About Private Money Lending in California

California has lots of “private money” and lots of professional private money lending companies that offer short-term loans secured by real estate. It’s mainly for investment properties, but California has some unique laws that enable private lenders to fund loans secured by a borrower’s primary residence. Here are the typical private money lending guidelines for most lenders in California:

  • Loan Amounts: $50,000 to $20,000,000
  • Interest Rates: 9% to 13%
  • Origination Fee: 1 to 3 points
  • Maximum LTV for Senior (1st) Lien: Up to 70%
  • Maximum CLTV for Junior Liens: Up to 65%
  • Lien Position: 1st, 2nd or 3rd
    • 2nd mortgages are common in California
  • Loan Term: 1 month to 5 years
    • Most private money lenders max out at 24 months
    • Most lenders have a 3-month minimum term (interest guarantee)
  • Payment Type: Interest-only
    • Few private lenders in California amortize all of their loans

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