Tampa real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
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 dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
We also fund investments throughout the greater Tampa metro including St. Petersburg, Clearwater, Brandon, Riverview, and Wesley Chapel.
Tampa rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in St. Petersburg often qualify easily on gross rent alone.
Tampa markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Tampa allow LLC borrowing with personal guarantees. Standard for asset protection.
Tampa's 5.1% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Tampa properties.
Yes. DSCR loans qualify based on the Tampa rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Tampa DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Tampa rental yields average 6.4% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Tampa allow borrowing in an LLC with a personal guarantee.
Tampa DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Tampa areas have STR restrictions — verify local rules.
Standard DSCR loans in Tampa go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Tampa rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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