Funded
Not a broker
Rating on Google
The Deal
$877,500
San Bernardino, California
10.0%
67.5%
12 months
Purchase
Single-Family Home
Refinance with a Bank
Crescent Lenders recently funded a $877,500 first trust deed purchase loan in San Bernardino, California.
The loan was secured by a spacious 5-bedroom, 5-bathroom single-family residence totaling 4,594 square feet, situated on a .33-acre lot.
The property, purchased for $1,350,000 (less a $50,000 seller credit), offers significant potential for value creation through renovation and repositioning.
In addition to the first trust deed, a $277,500 second trust deed was funded by a Crescent Lenders team member, underscoring our confidence in the deal's strength and the borrower’s ability to execute.
The combination of square footage, lot size, and location made this deal highly sought by various California real estate investors.
The terms of the first trust deed included a 10% interest-only rate, a 12-month loan duration, and a 3-month prepayment penalty, providing the borrower with the short-term liquidity needed to secure the property.
The borrower contributed a 15% down payment ($202,500) to complete the transaction and plans to remodel the property and then exit the loan by:
- Listing it for resale at a higher value (supported by local comps), or
- Refinance into a traditional bank loan and hold the property long term
Crescent Lenders has funded three prior hard money loans for this borrower, all of which were repaid on schedule and executed to plan.
With over 25 years of experience as a real estate broker and investor, operating a large real estate office in the San Bernardino Valley, the borrower has demonstrated a proven ability to acquire, renovate, and successfully reposition properties for either resale or as long-term investment properties.
The combination of a conservative 67.5% loan-to-value, the additional risk protection of a 2nd trust deed, and the borrower’s extensive real estate track record made this transaction an attractive addition to Crescent Lenders’ loan portfolio.
This transaction highlights Crescent Lenders’ ability to deliver hard money lending solutions to California real estate investors.
Reviews
Hard Money Lenders in San Bernardino
Crescent Lenders is a California-based private money lender, proudly serving real estate investors in San Bernardino and throughout Southern California.
We specialize in hard money loans, bridge loans, and fix-and-flip financing for both residential and commercial investment properties.
For over 15 years, Crescent Lenders has been a trusted partner for property owners, developers, and real estate investors seeking fast and flexible capital solutions.
Our broad knowledge of San Bernardino’s real estate market allows us to move quickly and fund deals that traditional lenders can’t, helping our clients secure deals and stay competitive in the fierce California real estate market.
We provide short-term loans for real estate acquisitions, refinancing, and cash-out opportunities across property types, including single-family homes, multifamily buildings, retail centers, office space, and industrial or mixed-use properties.
Our private money loans are designed for speed and flexibility. Whether you’re securing a rental property in Ontario, funding a high-demand fix-&-flip in Rancho Cucamonga, or acquiring a value-add deal in Chino, we provide fast, reliable funding with flexible terms to help you close quickly.
We fund time-sensitive deals when banks are unable to deliver.
About San Bernardino
San Bernardino is one of the largest cities in Southern California and serves as a key hub within the Inland Empire.
Located 60 miles east of Los Angeles, the city is part of a rapidly growing region known for its strategic position along major transportation routes and its expanding mix of residential, industrial, and commercial development.
The San Bernardino real estate market continues to attract real estate investors seeking strong returns. With its affordability, relative to other California cities, San Bernardino has become a popular area for investment property acquisitions, including single-family homes, multifamily units, and commercial properties.
The business sector of logistics, warehousing, and construction has fueled steady demand for both housing and commercial space. This has made fix-and-flip loans, bridge loans, and short-term private money loans great tools for real estate investors looking to move quickly.
As a city undergoing steady redevelopment and infrastructure investment, San Bernardino presents fertile ground for real estate investing across a diverse range of property types.
Private money lenders and hard money lenders play an important role in this process, enabling property owners and developers to access liquidity when timing is critical.
After another strong year of funding hard money loans throughout California, Crescent Lenders enters 2026 with a continued commitment to serving San Bernardino’s investors, developers, and property owners.
Whether it’s single-family, multifamily, or commercial real estate, Crescent Lenders provides the speed, flexibility, and expertise that help investors compete in California's real estate market.
San Bernardino Hard Money Loans
