Private & Hard Money Lenders in Monroe County, FL
7 lenders funded 12 short-term investment-property loans in Monroe County in 2024 at a median rate of 10.39%. Ranked by verified loan volume — not paid placement.
Monroe County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 3 | 10.39% | — |
| 2 | SERVISFIRST BANK | 3 | 8.32% | — |
| 3 | Churchill Funding I LLC | 2 | — | — |
| 4 | ABL RPC Residential Credit Acquisition LLC | 1 | — | — |
| 5 | FARMERS BANK & TRUST | 1 | — | — |
| 6 | Minnwest Bank | 1 | — | — |
| 7 | RF Renovo Management Company, LLC | 1 | — | — |
DSCR / long-term rental lenders in Monroe 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
7 lenders reported short-term, business-purpose investment loans in Monroe County in 2024 verified lending records — 12 loans totaling $14.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Monroe County's active lenders was 10.39% in 2024, with per-lender medians ranging from 8.32% to 10.39%. 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.