Private & Hard Money Lenders in Hays County, TX
8 lenders funded 13 short-term investment-property loans in Hays County in 2024 at a median rate of 10.20%. Ranked by verified loan volume — not paid placement.
Hays County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | LIMA ONE CAPITAL, LLC | 5 | 10.20% | — |
| 2 | INDEPENDENT BANK | 2 | — | 4 |
| 3 | FIRST UNITED BANK AND TRUST CO | 1 | — | 3 |
| 4 | Easy Street Capital LLC | 1 | — | — |
| 5 | Genesis Capital, LLC | 1 | — | — |
| 6 | Investmark Mortgage LLC | 1 | — | — |
| 7 | KIAVI FUNDING, INC. | 1 | — | — |
| 8 | RF Renovo Management Company, LLC | 1 | — | — |
DSCR / long-term rental lenders in Hays 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
8 lenders reported short-term, business-purpose investment loans in Hays County in 2024 verified lending records — 13 loans totaling $3.2M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Hays County's active lenders was 10.20% in 2024. 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.