Private & Hard Money Lenders in Osceola County, FL
14 lenders funded 53 short-term investment-property loans in Osceola County in 2024 at a median rate of 11.25%. Ranked by verified loan volume — not paid placement.
Osceola County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 24 | 11.70% | 1 |
| 2 | Easy Street Capital LLC | 8 | 10.90% | — |
| 3 | RF Renovo Management Company, LLC | 4 | 9.99% | 8 |
| 4 | 212 Loans, LLC | 4 | 11.99% | — |
| 5 | Loan Funder LLC | 3 | 11.25% | 4 |
| 6 | Sundae Funding | 2 | — | — |
| 7 | American Heritage Lending, LLC | 1 | — | 23 |
| 8 | LIMA ONE CAPITAL, LLC | 1 | — | 2 |
| 9 | Temple View Capital Funding LP | 1 | — | 2 |
| 10 | Builder Finance Inc | 1 | — | 1 |
| 11 | Centennial Bank | 1 | — | 1 |
| 12 | Dominion Financial Services, LLC | 1 | — | 1 |
| 13 | Genesis Capital, LLC | 1 | — | — |
| 14 | RPE Home, Inc | 1 | — | — |
DSCR / long-term rental lenders in Osceola 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
14 lenders reported short-term, business-purpose investment loans in Osceola County in 2024 verified lending records — 53 loans totaling $15.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Osceola County's active lenders was 11.25% in 2024, with per-lender medians ranging from 9.99% to 11.99%. 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.