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.
San Bernardino is a steady California submarket where owner-user comp sets are clean, appraisals turn quickly, and $523K-band fix-and-flip inventory absorbs reliably.
Investor exits in San Bernardino skew to first-time-buyer owner-users, so we size rehab tranches against the lower-quartile of the $523K median for downside protection. Local pocket coverage includes Downtown San Bernardino, Arrowhead, Verdemont, Del Rosa, North Park, University District and adjacent San Bernardino submarkets.
Estimated local median: $523K · Typical loan range: $340K – $653K · Top program: fix-and-flip and DSCR rental
Most San Bernardino private money loans we fund range from $340K to $653K, sized against an estimated local median around $523K. Loans outside that range are case-by-case based on parcel and scope.
For San Bernardino, our highest-volume program is fix-and-flip and DSCR rental. We also fund bridge, construction, commercial, and DSCR rental scenarios in this market.
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