San Bernardino is the historic hub of the Inland Empire, a Route 66 city whose deep, older housing stock and low entry prices make it one of Southern California's most active renovation markets. Neighborhoods range from the revitalizing blocks of Downtown San Bernardino and the North Park and Del Rosa districts to the foothill homes of Shandin Hills and the student-driven University District near Cal State San Bernardino. Decades of transition have left plenty of dated but structurally sound houses, and strong rental demand from students, workers, and families keeps both flips and holds moving.
Fidelity Funding lends directly across San Bernardino and knows how to underwrite its varied, sometimes distressed inventory. We can size a loan on a Verdemont fixer, a North Park flip, or a small commercial building on the asset and your plan rather than a W-2 file. As a direct lender since 2006, we close in five to ten business days, fund up to 90% of cost plus 100% of rehab, and offer DSCR loans built for the city's rental strength. Whether it's a first flip near Arrowhead or a University District rental, a decision-maker is on the line at (877) 300-3007.
For a property in San Bernardino, California, start with the purchase price, scope of work, current comparable sales, and planned exit. Local conditions vary by parcel and should be verified before making an offer.
Discuss acquisition, rehab, and rental financing with a loan officer. Program suitability depends on the property and borrower rather than the city name alone. Local pocket coverage includes Downtown San Bernardino, Arrowhead, Verdemont, Del Rosa, North Park, University District and adjacent San Bernardino submarkets.
Illustrative property value: $523K · Illustrative financing range: $340K – $653K · Programs to discuss: fix-and-flip and DSCR rental
These model-generated examples use a county reference value and a property-market multiplier. They are not measured city medians, current market quotes, appraisals, or evidence of loans funded. Actual loan sizing depends on the property, acquisition and rehab costs, and underwriting.
Loan sizing depends on property valuation, acquisition and rehab costs, borrower qualifications, and program limits. The $340K to $653K range below is an illustration, not funded-loan history or an offer.
Options to discuss include fix-and-flip and DSCR rental, subject to eligibility and underwriting. A loan officer can review whether bridge, construction, commercial, or DSCR financing fits your property and exit strategy.
Yes. We regularly fund dated, vacant, and light-distress homes in North Park, Del Rosa, and Verdemont, underwriting the asset and rehab plan rather than the property's current condition alone.
Absolutely. Our DSCR loans qualify on projected rent, which fits the steady tenant demand around Cal State San Bernardino and the surrounding University District.
As fast as five to seven business days once title and valuation clear, so you can move quickly on low-basis listings that draw multiple investor offers.
Yes. Our small commercial and mixed-use programs cover storefronts and live-work buildings along Downtown San Bernardino and the Route 66 corridors, sized to the asset and its income.
Fidelity Funding Corp · Direct California private money lender since 2006
450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT