Trusted Hard Money Loans in Inland Empire

Inland Empire Hard Money Loans

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Trusted Hard Money Lenders in Inland Empire, CA

RTI Bridge Loans is your trusted source for hard money lending in the Inland Empire, CA. Real estate investors, property flippers, and business owners rely on us for fast and flexible funding solutions. Whether you need to secure financing for a commercial property, fund a renovation project, or close a deal quickly, we provide the financial support you need without the long approval processes of traditional banks. Our team understands the Inland Empire real estate landscape and is ready to help you succeed with straightforward lending solutions.

Bridge Loan Program

Commercial Lending Specifications

PRODUCT DESCRIPTION
Loan Term 1-2 Years
Loan Amount $250,000 to 20,0000,000
Lending Area California | Nevada | Colorado
Trust Deeds 1st & 2nd TD's
Loan-to-Value Up to 75%
Interest Rate Starting at 8.75%
Origination Fee 1 to 3 Points
Prepayment Penalty Not Required
Closing Time 7 to 15 Days
Interest Reserve No Payments for 6 Months
LENDING SCENARIOS Time Sensitive Transactions
  • 1031 Exchanges
  • Expiring Purchase Contracts
  • Balloon Payments
  • Partnership Buyouts
Distressed Scenarios
  • Bankruptcy Restructurings
  • Foreclosure Loans
  • Discounted Payoff
  • Agreements
Value Add
  • Renovation Loans
  • Tenant Improvements
Cash Out
  • All Cash Dispersed at Closing
  • No Fund Control
COLLATERAL
  • Multifamily | Office | Retail
  • Mixed Use | Luxury Residential

Reliable Hard Money Lenders in the Inland Empire, CA

As one of the leading hard money lenders in the Inland Empire, RTI Bridge Loans makes borrowing simple and efficient. We focus on fast approvals, flexible terms, and a hassle-free process, ensuring that real estate investors and business owners get the funds they need when they need them. Traditional banks often have strict lending requirements, but our asset-based loans provide an alternative way to secure financing without the usual red tape.

Inland Empire, CA Real Estate Market

As of early 2025, the Inland Empire real estate market presents a mixed outlook. Residential home prices continue to rise, driven by demand and limited inventory, while the industrial sector faces challenges due to shifting economic conditions and rising vacancy rates.

Residential Market Overview:

Home Prices:

As of February 2025, the median home price in Riverside reached $650,000, reflecting a 2.8% increase compared to the previous year. Meanwhile, the median sold price climbed to $660,398, marking a 4.9% year-over-year rise. The median price per square foot stood at $378.

Market Activity:

Homes in Riverside spent an average of 49 days on the market, slightly longer than the 41-day average recorded in early 2024. The number of closed sales declined, with 135 homes sold in February 2025, compared to 144 sales in the same period last year.

Riverside County Trends:

Across Riverside County, the median listing price in February 2025 was $649,000, reflecting a 2.8% annual increase. While demand remains strong, some buyers are being priced out due to affordability concerns.

Affordability Challenges:

Despite being one of the more affordable regions in Southern California, the Inland Empire is experiencing rising home prices and stagnant wage growth, making homeownership increasingly difficult for many buyers. Higher mortgage rates and inflationary pressures have added further challenges, forcing some prospective homeowners to delay purchases or explore rental options.

Industrial Market Challenges:


While residential real estate is trending upward, the industrial sector faces hurdles. Economic shifts and heightened competition have led to higher vacancy rates, a trend expected to persist throughout 2025. Companies are reevaluating their space needs, and new industrial developments have outpaced demand in some areas, putting downward pressure on rental prices.

Types of Hard Money Loans We Offer

RTI Bridge Loans provides financial solutions for various real estate investment needs. We specialize in:

  1. Time-Sensitive Transactions: Need quick funding to close a deal? We can help.
  2. 1031 Exchanges: Secure financing to complete your exchange within the deadline.
  3. Expiring Purchase Contracts: Avoid missing out on great investment opportunities.
  4. Balloon Payments: Refinance an upcoming balloon payment with ease.
  5. Partnership Buyouts: Get the capital needed to buy out a business partner.
  6. Distressed Property Financing: Fund renovations or cover financial hardships.
  7. Foreclosure Loans: Prevent foreclosure and stabilize your investment.
  8. Cash-Out Loans: Access equity for your next real estate project.

What Types of Properties Qualify?

RTI Bridge Loans finances a variety of real estate assets, including:

  • Multifamily Properties
  • Office Buildings
  • Retail Spaces
  • Mixed-Use Properties
  • High-End Residential Properties

Our goal is to support investors and business owners by providing financing solutions that work for their specific property types and investment strategies.

Why Choose RTI Bridge Loans for Hard Money Loans in the Inland Empire?

Borrowing from RTI Bridge Loans means working with a lender who understands the Inland Empire market and the needs of real estate investors. Here’s what we offer:

  • Fast Approvals: Get a decision in as little as 24 hours.
  • Flexible Terms: Loans structured to match your project timeline.
  • Straightforward Process: No unnecessary delays or excessive paperwork.
  • Expert Knowledge: A team with real estate experience to guide you.

How to Secure a Hard Money Loan in the Inland Empire

Applying for a hard money loan through RTI Bridge Loans is simple. Here’s how it works:

    1. Contact Us – Discuss your investment goals and financing needs with our team.
    2. Submit an Application – Provide property details and basic financial information.
    3. Receive Approval – Once reviewed, we present a customized loan offer.
    4. Close Quickly – Funds are available within days, so you can move forward without delay.

Residential & Commercial Hard Money Loans

RTI Bridge Loans provides financing for both residential and commercial real estate investments. Whether you’re flipping homes or acquiring commercial property, we offer funding options to meet your goals.

Residential Hard Money Loans

Real estate investors can benefit from quick funding to purchase, renovate, or refinance properties. Our loans provide the financial backing needed for house flips, rental property purchases, and other investment opportunities.

Commercial Hard Money Loans

For those investing in office buildings, retail centers, or multifamily properties, RTI Bridge Loans provides flexible financing that helps you complete projects without the constraints of conventional bank loans.

Recently Funded Hard Money Loans

JUST CLOSED in Long Beach! This was a multiple collateral 1st and 2nd TD loan at $5,400,000 needed for a

A developer was just completing and leasing up a large mixed use project in Santa Clarita. His construction loan had

$412,500 1st TD Bridge Loan Closed in Valley Center CA! Borrower needed fast capital to close on a below market

Why Invest in the Inland Empire Real Estate?

The Inland Empire is one of California’s fastest-growing regions, making it an attractive market for real estate investment. Its expanding population and affordability compared to neighboring Los Angeles and Orange County continue to drive housing demand. Here’s why investors are flocking to the area:

  • Population Growth: More people are moving to the Inland Empire due to its lower cost of living.
  • Strong Rental Market: Demand for rental properties remains high as homeownership becomes more expensive.
  • Diverse Economy: Logistics, healthcare, and manufacturing contribute to a stable job market.
  • Affordability: Real estate prices in the Inland Empire are lower than in other parts of Southern California, offering great opportunities for investors.

How to Get Approved for an the Inland Empire Hard Money Loan

Approval for a hard money loan is based primarily on the value of the property rather than credit history. Here’s what can improve your chances of approval:

  • A solid investment plan showing how the loan will be used.
  • Strong collateral (the property itself) to secure the loan.
  • Real estate experience (not required but can be helpful).

The Advantages of Hard Money Loans

Hard money loans offer benefits that traditional loans cannot:

  • Quick Financing: Perfect for real estate investors needing fast capital.
  • No Strict Credit Requirements: Loan approval is based on property value, not credit score.
  • Flexible Lending Terms: Loan structures that work for various investment strategies.
  • No Need to Borrow from Friends or Family: Maintain your personal relationships while securing funding.
  • Keep Full Control of Your Investment: No need to give up ownership shares like you would with a partner.
  • Access to Larger Loan Amounts: Invest in high-value properties that might be out of reach with traditional financing.

Work with RTI Bridge Loans Today

If you’re ready to secure a hard money loan in the Inland Empire, RTI Bridge Loans is here to help. Our fast funding solutions and flexible loan terms make it easier to complete real estate deals without the delays of conventional banks. Contact us today at (562) 857-2285 to discuss your investment needs and take the next step toward securing the financing you need.

Frequently Asked Questions

Yes, hard money loans are legal in California. They are regulated by state lending laws, and lenders must comply with usury limits, licensing requirements, and fair lending practices.
Interest rates for hard money loans in California typically range from 7% to 12%. The exact rate depends on factors like the borrower’s creditworthiness, loan-to-value (LTV) ratio, property type, and lender terms.
An example of a hard money loan is an investor borrowing $300,000 at 10% interest for 12 months to purchase and renovate a distressed property, planning to sell it for a profit before repaying the loan. These loans are commonly used in real estate flipping or short-term bridge financing.
At the end of a hard money loan, the borrower must repay the full loan amount, including interest and fees. This is typically done by refinancing with a traditional mortgage, selling the property, or using other funds to pay off the debt. If the borrower fails to repay, the lender can foreclose on the property to recover their investment.
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