How many hard money lenders are active in Miami-Dade County?

37 lenders reported short-term, business-purpose investment loans in Miami-Dade County in 2024 verified lending records — 389 loans totaling $885.2M. Smaller local lenders below public reporting thresholds may also operate here.

What do hard money loans cost in Miami-Dade County?

The median note rate across Miami-Dade County's active lenders was 11.00% in 2024, with per-lender medians ranging from 8.50% to 12.88%. Hard money runs well above conventional mortgage rates because loans are short, asset-based, and close fast.

Lender directory

Private & Hard Money Lenders in Miami-Dade County, FL

37 lenders funded 389 short-term investment-property loans in Miami-Dade County in 2024 at a median rate of 11.00%. Ranked by verified loan volume — not paid placement.

2024 verified lending records·Pulled 2026-09-01

Hard money loans (2024)

389$885.2M

Median note rate

11.00%8.5–12.9%

DSCR / rental loans

4,159

Miami-Dade County hard money lenders by 2024 loan count

#	Lender	Hard money loans	Median rate	DSCR loans
1	KIAVI FUNDING, INC.	190	11.00%	24
2	Loan Funder LLC	43	11.25%	32
3	RF Renovo Management Company, LLC	33	10.25%	8
4	LIMA ONE CAPITAL, LLC	16	11.45%	3
5	Easy Street Capital LLC	15	10.90%	—
6	Temple View Capital Funding LP	12	11.00%	1
7	ABL RPC Residential Credit Acquisition LLC	8	12.88%	3
8	VAL-CHRIS INVESTMENTS INC.	8	11.25%	—
9	LendingOne LLC	7	9.99%	5
10	Conventus Lending LLC	7	9.99%	3
11	VELOCITY COMMERCIAL CAPITAL LLC	6	12.25%	74
12	Ice Lender Holdings LLC	4	11.25%	4
13	Centennial Bank	4	9.00%	1
14	BPL Mortgage, LLC	3	10.75%	10
15	Churchill Funding I LLC	3	11.00%	5
16	Constructive Loans LLC	3	11.49%	3
17	Dade County Federal Credit Union	3	8.50%	1
18	JPMorgan Chase Bank, NA	2	—	53
19	Bayport Funding LLC	2	—	—
20	Genesis Capital, LLC	2	—	—
21	Merchants Bank of Indiana	2	—	—
22	American Heritage Lending, LLC	1	—	53
23	DG Pinnacle Funding, LLC	1	—	17
24	Amerant Bank, N.A.	1	—	15
25	First American Bank	1	—	10
26	Archwest Funding	1	—	6
27	WELLS FARGO BANK NA	1	—	3
28	BANK OZK	1	—	2
29	First Ciitizens Bank and Trust	1	—	2
30	SEACOAST NATIONAL BANK	1	—	1
31	UNITED COMMUNITY BANK	1	—	1
32	Armed Forces Bank, N.A.	1	—	—
33	Insignia Capital Corp.	1	—	—
34	Lument Structured Finance, LLC	1	—	—
35	PLANET MANAGMENT GROUP, LLC	1	—	—
36	RPE Home, Inc	1	—	—
37	Sundae Funding	1	—	—

DSCR / long-term rental lenders in Miami-Dade 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.

A&D MORTGAGE LLC · 786United Wholesale Mortgage · 461BRADESCO BANK · 331Citadel Servicing Corporation · 219Deephaven Mortgage LLC · 202ANGEL OAK MORTGAGE SOLUTIONS LLC · 167Hometown Equity Mortgage, LLC · 102HomeXpress Mortgage Corp. · 90OCMBC, INC. · 78AmWest Funding Corp · 74CROSSCOUNTRY MORTGAGE, LLC · 60LOGAN FINANCE CORPORATION · 56Cornerstone First Mortgage · 53CHAMPIONS FUNDING, LLC · 48Banco do Brasil Americas · 45NEXERA HOLDING LLC · 40PENNYMAC LOAN SERVICES LLC · 37ClearEdge Lending LLC · 36All Credit Considered Mortgage, Inc. · 35NEWREZ LLC · 35

Methodology

Counts come from 2024 verified public lending records: originated, business-purpose loans on investment properties with terms of 36 months or less — the bridge and fix-and-flip products that define hard money. Longer-term business-purpose loans are shown separately as DSCR/rental lending. Median rates are published only where at least 3 loans disclosed one.

Smaller local lenders below public reporting thresholds may be active in Miami-Dade Countywithout appearing here. Rankings are never paid placement.

Frequently asked questions

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