Hard Money & Private Lender in San Bernardino, CA
San Bernardino County · Direct Private Lender
Fix-and-flip, bridge, hard money and DSCR rental loans for San Bernardino investors, from a direct California lender with in-house underwriting and servicing.
Lending in San Bernardino, CA
Many San Bernardino deals are properties that need work before they can sell or rent, and that is where hard money fits: financing sized on the property and your plan, with the rehab budget included when the deal supports it.
For long-term rentals, including small multi-family properties, our DSCR programs qualify on the rent the property brings in rather than your personal tax returns. We lend across San Bernardino County.
Loans we offer in San Bernardino
Bridge & hard money loans: fast, asset-based financing
Fix-and-flip loans: purchase plus rehab
DSCR rental loans: qualify on the property's rent
Home purchase & refinance: conventional, FHA/VA and self-employed options
Reverse mortgages: for homeowners 62 and older
Loan servicing: for private lenders and seller-financed notes
Fix and Flip Calculator
Run the numbers for your San Bernardino deal.
San Bernardino lending questions
Do you finance fix-and-flip projects in San Bernardino?
Yes. We provide fix-and-flip and bridge financing for San Bernardino County properties, including rehab funds when the deal supports it. Use the calculator on this page to check your profit and the 70% rule.
Can I get a rental loan without showing my tax returns?
With a DSCR loan, the property qualifies on its rental cash flow instead of your personal income documents. Many programs look for a DSCR of 1.00 or higher.
How fast can V Nation approve and close?
Because underwriting is in-house, approvals typically take 24–48 hours and closings can happen in as little as 7–10 days. All loans are subject to underwriting, approval and eligibility guidelines.
Have a San Bernardino property in mind?
Apply online, or call (949) 226-7474 to talk through your deal first.
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