Private & Hard Money Lenders in Kitsap County, WA
5 lenders funded 34 short-term investment-property loans in Kitsap County in 2024 at a median rate of 11.99%. Ranked by verified loan volume — not paid placement.
Kitsap County hard money lenders by 2024 loan count
| # | Lender | Hard money loans | Median rate | DSCR loans |
|---|---|---|---|---|
| 1 | EASTSIDE FUNDING LLC | 26 | 12.50% | — |
| 2 | KIAVI FUNDING, INC. | 3 | 11.99% | 2 |
| 3 | Merchants Mortgage & Trust Corporation | 3 | 10.50% | — |
| 4 | Conventus Lending LLC | 1 | — | 1 |
| 5 | LIMA ONE CAPITAL, LLC | 1 | — | — |
DSCR / long-term rental lenders in Kitsap 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 Kitsap County in 2024 verified lending records — 34 loans totaling $10.8M. Smaller local lenders below public reporting thresholds may also operate here.
The median note rate across Kitsap County's active lenders was 11.99% in 2024, with per-lender medians ranging from 10.50% to 12.50%. 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.