San Bernardino, CA's Trusted Hard Money Lender for Real Estate Investors

In San Bernardino's competitive market, speed separates winners from those left watching deals slip away. Traditional financing timelines don't work when properties move in hours, not weeks. Unitas Funding closes hard money loans in as little as 10 business days, giving you the competitive edge in San Bernardino. We're not here to tell you maybe. We're here to fund deals.

We specialize in private loans for real estate investors in San Bernardino and the California region. Whether you're flipping properties, building new construction, securing bridge financing, or scaling a rental portfolio, we focus on your property's value and exit strategy. Our $4.5 billion lending track record across thousands of properties means you're working with proven experience.

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Fast, Reliable Capital for Your Next San Bernardino Deal

San Bernardino investors need reliable, fast capital. Our rates start at 8.99%, LTC goes to 92.5% for qualified projects, and pre-approvals arrive in 24 hours. We focus on what makes your specific deal work, not what fits our forms.

Fix & Flip Loans

Fix & Flip Loans

San Bernardino fix-and-flip investors need renovation capital that moves. We fund based on ARV, covering acquisition and construction costs. Terms of 12, 18, or 24 months with interest-only payments keep monthly obligations manageable. Our 24-to-48-hour draw processing means contractors stay busy and projects finish on schedule.

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New Construction Loans

New Construction Loans

Building in San Bernardino means navigating permits, labor costs, and timelines. Our new construction funding covers single-family spec homes and multifamily residential projects. We structure draw schedules around actual construction milestones, not arbitrary calendar dates. With rates starting at 8.99% and terms customized to your build schedule, we bring both capital and construction knowledge from dirt to certificate of occupancy.

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Bridge Loans

Bridge Loans

Timing gaps happen in San Bernardino real estate. Maybe you need to close before permanent financing is ready, or you're waiting on another sale to fund your next purchase. Our bridge loans run 6 to 12 months, providing gap financing when opportunities appear. San Bernardino investors use bridge products to grab auction properties, secure off-market deals, and transition between investment phases without losing momentum.

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DSCR Loans

DSCR Loans for Rental Properties

Building a rental portfolio in San Bernardino shouldn't require endless personal financial documentation. Our DSCR loans qualify on one question: does the rent cover the mortgage? If the numbers work, we fund it. Available for short-term, mid-term, and long-term rentals anywhere in the San Bernardino metro. The property's income potential matters, not your tax returns from three years ago.

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What Makes Unitas Different in San Bernardino

  1. Institutional Backing, Entrepreneurial Execution
    Backed by $4.5 billion in institutional capital, funding is never a question at closing. But we're not a bank drowning in bureaucracy—we're a direct lender built for real estate investors. You get financial stability without committee meetings, policy manuals, and loan officers who've never seen a construction site.

  2. Deal-Specific Structures, Not Templates
    Traditional lenders have rigid boxes. If your deal doesn't fit perfectly, you're rejected. We evaluate San Bernardino deals based on property fundamentals, market conditions, and whether your exit strategy makes financial sense. We customize loan structures around your specific project, not force square pegs into round holes.

  3. Own Our Capital, Control Our Decisions
    We own our capital. We're not brokers shopping your deal around, and we don't sell loans to secondary markets. When we approve your loan, that approval is final. No surprise committee reviews, no funding falling through three days before closing, no last-minute changes.

  4. 10-Day Closes, 24-48 Hour Draws
    Closing in 10 business days gets you into the property. Our draw requests process in 24 to 48 hours after inspection completion. Your San Bernardino renovation or construction project moves at the speed of actual work, not bureaucracy. Most projects need about 10 draws, and every one gets processed with the same urgency as initial funding.


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Get Pre-Approved in 24 Hours!
Stop losing San Bernardino deals to investors with faster financing. We deliver real pre-approvals in 24 hours—not pre-qualifications that mean nothing, but actual approvals that give you credibility when making offers.

Frequently Asked Questions

What types of investment properties do you finance in San Bernardino?

We finance business-purpose real estate throughout San Bernardino and California: single-family homes, multifamily properties, townhomes, mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans go through business entities—we don't do consumer mortgages or owner-occupied financing.

How quickly can you close on a San Bernardino investment property?

10 business days with complete documentation. Pre-approvals deliver in 24 hours, and final approvals typically happen within 3 to 5 business days depending on title clearance and property valuation. Compare that to 30-45 days minimum for traditional banks, and you'll understand why serious San Bernardino investors choose hard money over conventional financing.

What are your loan-to-cost ratios for San Bernardino fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in San Bernardino, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after repair value and exit strategy. Rates start at 8.99%, and we customize terms to match your project timeline.

Do you require personal income verification for DSCR loans in San Bernardino?

No. Our DSCR loans in San Bernardino qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether the property generates enough rent to cover debt service. You provide business entity documentation and demonstrate liquidity for down payment and reserves, but we're not requesting personal income verification.

What areas of San Bernardino do you serve?

We provide private real estate loans throughout San Bernardino, surrounding California communities, and the metro area. We lend in urban and suburban markets across the region. Whether your property is in San Bernardino proper or nearby towns, we have the local market knowledge and lending appetite to support your investment.

 

Ready to Fund Your Next San Bernardino Real Estate Investment?

Unitas Funding provides the fast, flexible private loans San Bernardino real estate investors need to capitalize on the Inland Empire's expanding market. From Verdemont fix-and-flips to University District value-add projects, we fund deals across San Bernardino County. Contact us today to discuss your San Bernardino investment property financing.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.