Private & Hard Money Lenders in Howard County, MD
5 lenders funded 13 short-term investment-property loans in Howard County in 2024 at a median rate of 11.25%. Ranked by verified loan volume — not paid placement.
Howard County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 6 | 11.25% | — |
| 2 | RF Renovo Management Company, LLC | 4 | 10.25% | — |
| 3 | VELOCITY COMMERCIAL CAPITAL LLC | 1 | — | 2 |
| 4 | Conventus Lending LLC | 1 | — | 1 |
| 5 | Dominion Financial Services, LLC | 1 | — | — |
DSCR / long-term rental lenders in Howard 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
5 lenders reported short-term, business-purpose investment loans in Howard County in 2024 verified lending records — 13 loans totaling $4.9M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Howard County's active lenders was 11.25% in 2024, with per-lender medians ranging from 10.25% to 11.25%. 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.