Private & Hard Money Lenders in St. Johns County, FL
15 lenders funded 40 short-term investment-property loans in St. Johns County in 2024 at a median rate of 10.70%. Ranked by verified loan volume — not paid placement.
St. Johns County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 10 | 10.70% | 6 |
| 2 | RF Renovo Management Company, LLC | 5 | 9.99% | — |
| 3 | LendingOne LLC | 4 | 11.25% | 1 |
| 4 | 212 Loans, LLC | 4 | 12.99% | — |
| 5 | LIMA ONE CAPITAL, LLC | 4 | 8.90% | — |
| 6 | Loan Funder LLC | 2 | — | 1 |
| 7 | Temple View Capital Funding LP | 2 | — | 1 |
| 8 | Churchill Funding I LLC | 2 | — | — |
| 9 | Ameris Bank | 1 | — | 31 |
| 10 | American Heritage Lending, LLC | 1 | — | 3 |
| 11 | SouthState Bank, N.A. | 1 | — | 2 |
| 12 | Easy Street Capital LLC | 1 | — | — |
| 13 | Merchants Mortgage & Trust Corporation | 1 | — | — |
| 14 | RPE Home, Inc | 1 | — | — |
| 15 | VAL-CHRIS INVESTMENTS INC. | 1 | — | — |
DSCR / long-term rental lenders in St. Johns 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 St. Johns County in 2024 verified lending records — 40 loans totaling $24.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across St. Johns County's active lenders was 10.70% in 2024, with per-lender medians ranging from 8.90% to 12.99%. 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.