Private & Hard Money Lenders in San Luis Obispo County, CA
8 lenders funded 38 short-term investment-property loans in San Luis Obispo County in 2024 at a median rate of 11.50%. Ranked by verified loan volume — not paid placement.
San Luis Obispo County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 20 | 10.75% | — |
| 2 | VAL-CHRIS INVESTMENTS INC. | 4 | 13.99% | 1 |
| 3 | Temple View Capital Funding LP | 3 | 11.50% | 1 |
| 4 | Conventus Lending LLC | 3 | 9.99% | — |
| 5 | Equity Wave Lending, Inc. | 3 | 13.50% | — |
| 6 | Genesis Capital, LLC | 3 | 9.50% | — |
| 7 | Loan Funder LLC | 1 | — | — |
| 8 | Mackillie Inc | 1 | — | — |
DSCR / long-term rental lenders in San Luis Obispo County
These lenders reported only longer-term (>36 month) business-purpose rental loans here in 2024— a different product from hard money, listed separately so the two aren't conflated.
Frequently asked questions
8 lenders reported short-term, business-purpose investment loans in San Luis Obispo County in 2024 verified lending records — 38 loans totaling $23.6M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across San Luis Obispo County's active lenders was 11.50% in 2024, with per-lender medians ranging from 9.50% to 13.99%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.
Verified public lending records for 2024. We count originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products hard money lenders make. Rankings reflect verified loan counts, never paid placement.