Private & Hard Money Lenders in Santa Rosa County, FL
15 lenders funded 40 short-term investment-property loans in Santa Rosa County in 2024 at a median rate of 11.50%. Ranked by verified loan volume — not paid placement.
Santa Rosa County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 20 | 11.50% | 2 |
| 2 | LIMA ONE CAPITAL, LLC | 5 | 11.80% | — |
| 3 | River Bank & Trust | 3 | 9.00% | — |
| 4 | Community Bank of Mississippi | 1 | — | 1 |
| 5 | LendingOne LLC | 1 | — | 1 |
| 6 | Loan Funder LLC | 1 | — | 1 |
| 7 | Dominion Financial Services, LLC | 1 | — | — |
| 8 | Easy Street Capital LLC | 1 | — | — |
| 9 | Insignia Capital Corp. | 1 | — | — |
| 10 | INTRUST BANK, NA | 1 | — | — |
| 11 | RF Renovo Management Company, LLC | 1 | — | — |
| 12 | RPE Home, Inc | 1 | — | — |
| 13 | Temple View Capital Funding LP | 1 | — | — |
| 14 | The First Bank | 1 | — | — |
| 15 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | — |
DSCR / long-term rental lenders in Santa Rosa 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
15 lenders reported short-term, business-purpose investment loans in Santa Rosa County in 2024 verified lending records — 40 loans totaling $10.7M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Santa Rosa County's active lenders was 11.50% in 2024, with per-lender medians ranging from 9.00% to 11.80%. 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.