Private & Hard Money Lenders in Putnam County, NY
3 lenders funded 12 short-term investment-property loans in Putnam County in 2024 at a median rate of 11.99%. Ranked by verified loan volume — not paid placement.
Putnam County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | KIAVI FUNDING, INC. | 5 | 11.99% | — |
| 2 | Loan Funder LLC | 5 | 10.99% | — |
| 3 | PCSB BANK | 2 | — | — |
DSCR / long-term rental lenders in Putnam 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
3 lenders reported short-term, business-purpose investment loans in Putnam County in 2024 verified lending records — 12 loans totaling $4.4M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Putnam County's active lenders was 11.99% in 2024, with per-lender medians ranging from 10.99% 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.