Private & Hard Money Lenders in Pasco County, FL
21 lenders funded 154 short-term investment-property loans in Pasco County in 2024 at a median rate of 10.75%. Ranked by verified loan volume — not paid placement.
Pasco County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 75 | 11.50% | 11 |
| 2 | Easy Street Capital LLC | 26 | 10.90% | — |
| 3 | LIMA ONE CAPITAL, LLC | 10 | 10.25% | 1 |
| 4 | 212 Loans, LLC | 9 | 11.99% | — |
| 5 | LendingOne LLC | 5 | 10.49% | 7 |
| 6 | Genesis Capital, LLC | 4 | 9.50% | — |
| 7 | RF Renovo Management Company, LLC | 3 | 9.99% | 3 |
| 8 | Dominion Financial Services, LLC | 3 | 11.00% | 1 |
| 9 | Loan Funder LLC | 3 | 10.75% | 1 |
| 10 | RPE Home, Inc | 3 | 11.50% | — |
| 11 | Sundae Funding | 3 | 10.75% | — |
| 12 | Hometown Equity Mortgage, LLC | 1 | — | 8 |
| 13 | ABL RPC Residential Credit Acquisition LLC | 1 | — | 1 |
| 14 | CAPITAL CITY BANK | 1 | — | 1 |
| 15 | Merchants Mortgage & Trust Corporation | 1 | — | 1 |
| 16 | Armed Forces Bank, N.A. | 1 | — | — |
| 17 | BANK OZK | 1 | — | — |
| 18 | Churchill Funding I LLC | 1 | — | — |
| 19 | COMMERCE BANK | 1 | — | — |
| 20 | Temple View Capital Funding LP | 1 | — | — |
| 21 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in Pasco 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
21 lenders reported short-term, business-purpose investment loans in Pasco County in 2024 verified lending records — 154 loans totaling $38.0M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Pasco County's active lenders was 10.75% in 2024, with per-lender medians ranging from 9.50% 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.