Tampa real estate developers: ground-up construction financing for spec homes and investor projects. Up to 85% of total costs. Draw schedules aligned to milestones.
Check My Tampa Rate →Tampa Bay is one of the fastest-growing metros in the Southeast. Jeff Vinik's Water Street development, USF, MacDill Air Force Base, and massive corporate relocations have pushed demand consistently. Tampa offers better cash flow than Miami with similar appreciation trajectory. St. Petersburg and Clearwater add STR potential near the beaches.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
Active investor market with strong rental demand and construction activity.
We also fund investments throughout the greater Tampa metro including St. Petersburg, Clearwater, Brandon, Riverview, and Wesley Chapel.
Tampa permitting varies by submarket — 30-60 days in some areas, 4-6 months in others. Include in budget.
Tampa construction lenders favor experienced builders. First-time builders qualify with GC partnership.
Typical Tampa draws: 10-15% at closing, 5-7 draws during construction, 10% at CO. Inspections required.
Construction loans must be refinanced at completion. Plan take-out: 30-year DSCR for rentals, traditional for sales. Tampa's strong market makes take-outs reliable.
Up to 85% LTC. First-time builders may be capped at 75-80%. Experienced builders access 85%+ reliably.
First-time builders can qualify with a GC partnership, strong subs, and adequate reserves.
10-15% at closing (lot + permits), 5-7 milestone draws during construction, 10% at CO. Each requires inspection.
Construction loans in Tampa run 12-24 months. Most spec builds complete in 9-14 months.
Most lenders require permits in-hand or at final approval before funding vertical construction.
Yes. Build-to-rent is strong in Tampa. Close with construction loan, build, take out with 30-year DSCR at CO.
Most programs require 680+ FICO. Strongest pricing at 720+.
Construction loans in Tampa range from $250K to $5M+. Most SFR spec builds fall in $300K-$800K.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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