DSCR Loans in San Bernardino County, California
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 264 lenders made 3,266 investment-property loans in San Bernardino County, 6.0% of California's total. Dominick Prevete arranges DSCR loans across San Bernardino County, California, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $425,000.
See which lenders are most active in San Bernardino County →
San Bernardino County investor market at a glance
| Statistic | San Bernardino County | California | County rank |
|---|---|---|---|
| Investor loans | 3,266 | 54,410 | 5th of 39 |
| Reporting lenders | 264 | 630 | 5th of 39 |
| Loan volume | $1.27B | $37.12B | 6th of 39 |
| Average loan | $389K | $682K | 24th of 39 |
| Median loan | $355K | $485K | 24th of 39 |
| Purchases | 57.0% | 51.1% | 9th of 39 |
| Cash-out refinances | 25.5% | 25.6% | 19th of 39 |
| 2–4 unit properties | 10.9% | 16.6% | 27th of 39 |
| Top five lenders' share | 27.8% | 23.2% | 25th of 39 |
| Reported business-purpose | 72.9% | 71.2% | 12th of 39 |
San Bernardino County: closed-end loans on 1–4 unit investment properties. San Bernardino County's rank is highest first, among California's counties with at least 100 investor loans and 25 reporting lenders. Shares are of San Bernardino County's investor loans.
What stands out in San Bernardino County
57.0% of San Bernardino County's investor loans were purchases, the 9th-highest share of California's 39 counties with published data (statewide: 51.1%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
San Bernardino County's 3,266 investor loans ranked 5th of California's 39 counties with published data.
Does a DSCR loan pencil in San Bernardino County?
At HUD's fair market rent of $2,771 for a 3-bedroom in San Bernardino County, California, a rental covers its full DSCR payment up to a purchase price of about $425,000, with 20% down at the 7.25% starting rate (November 2026). San Bernardino County's median home value is $505,000; at that price the payment is $3,261 a month, so the property would need $3,275 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,103 / $2,771 / $3,336 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $505,000 |
| Median property taxes and effective rate | $3,538 (0.70% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,261 |
| Rent needed to cover that payment | $3,275 |
| Coverage of a 3-bedroom at fair market rent | 0.85 |
| Highest price a 3-bedroom at fair market rent covers | about $425,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run San Bernardino County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in San Bernardino County?
The most active investment-property lenders in San Bernardino County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and OCMBC, INC., out of 264 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including two that reported in San Bernardino County, and matches each file to the one most likely to fund it.
San Bernardino County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 3,266 loans and $1.27B from 264 lenders. Kiavi Funding, Inc. led San Bernardino County with 247 loans, 7.6% of the county's total, and the average San Bernardino County loan of $389K compares with $682K across California.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 247 | $105.8M | $428K | 93.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 236 | $82.4M | $349K | 54.7% |
| OCMBC, INC. | 178 | $66.8M | $375K | 46.6% |
| Rocket Mortgage, LLC | 135 | $45.5M | $337K | 48.9% |
| East West Bank | 111 | $44.4M | $400K | 73.0% |
| MERCHANTS MORTGAGE & TRUST CORPORATION, LLC | 87 | $37.7M | $434K | 98.9% |
| THE LOAN STORE, INC. | 87 | $35.8M | $411K | 56.3% |
| PENNYMAC LOAN SERVICES, LLC | 70 | $29.3M | $418K | 62.9% |
| CHAMPIONS FUNDING, LLC | 49 | $21.7M | $442K | 20.4% |
| HOMEXPRESS MORTGAGE CORP. | 49 | $17.9M | $365K | 34.7% |
| AMWEST FUNDING CORP. | 48 | $15.8M | $328K | 50.0% |
| Citadel Servicing Corporation | 46 | $17.8M | $387K | 47.8% |
| Easy Street Capital, LLC | 46 | $17.4M | $378K | 0.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 45 | $17.4M | $387K | 62.2% |
| AAA CAPITAL INVESTMENT, INC. | 41 | $18.4M | $450K | 58.5% |
| Hometown Equity Mortgage, LLC | 40 | $15.9M | $398K | 40.0% |
| Commerce Home Mortgage, Inc. | 38 | $22.3M | $587K | 44.7% |
| U.S. Bank National Association | 38 | $16.5M | $434K | 42.1% |
| NEW WAVE LENDING GROUP INC | 34 | $14.1M | $414K | 50.0% |
| JPMorgan Chase Bank, National Association | 34 | $12.5M | $367K | 70.6% |
| GENWAY HOME MORTGAGE, INC. | 34 | $8.3M | $243K | 76.5% |
| Genesis Capital, LLC | 33 | $13.1M | $397K | 97.0% |
| Loandepot.Com, LLC | 32 | $13.2M | $413K | 56.2% |
| General Mortgage Capital Corporation | 31 | $14.0M | $451K | 61.3% |
| CAKE MORTGAGE CORP. | 31 | $11.7M | $378K | 29.0% |
1,726 California loans (3.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for San Bernardino County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · San Bernardino County CSV, all 25 lenders
What San Bernardino County's table can't show you: fit. Short-term financing is exempt from HMDA, so San Bernardino County's fix-and-flip and bridge lenders barely appear among its 264 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your San Bernardino County, California deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a San Bernardino County, California property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — San Bernardino County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 264 lenders and 3,266 loans: 2025 HMDA loan-level data rolled up to San Bernardino County.
- San Bernardino County investor-lender dataset (CSV) — All 25 lenders in the San Bernardino County, California table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — San Bernardino County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Riverside-San Bernardino-Ontario, CA MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — San Bernardino County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.