No W-2. No Tax Returns.
Tampa real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 620+ credit. LLC borrowing. Close in 14-21 days.
Check My Tampa Rate →The economy runs on MacDill Air Force Base, Tampa General and BayCare, the University of South Florida and Moffitt, the Port of Tampa, and the financial back-office cluster. The rental stock is pre-war bungalows in Seminole Heights, Tampa Heights and St. Petersburg's Kenwood, post-war block homes across the bay, and rapid new construction in Pasco and eastern Hillsborough.
Florida is judicial. Flood zone mapping across low-lying Pinellas and along the bay drives insurance and therefore DSCR — the same rent produces a different ratio on either side of a flood line. St. Petersburg and Tampa are different cities with different STR rules. MacDill produces a stable military tenant base in South Tampa.
Get a bindable insurance quote before you go under contract. In Tampa the premium is large enough to move the ratio across the 1.0 line on its own.
A military tenant base produces reliable rent and predictable turnover on the PCS cycle. Some capital sources treat that as a positive; a few discount for concentration. State it in the file either way.
Also see: Jacksonville, FL →Miami, FL →Fix & Flip Loans in Tampa →Fort Myers, FL →Lakeland, FL →Orlando, FL →Palm Bay, FL →Pensacola, FL →
DSCR rental loans in Tampa qualify based on the property's rental income, not your W-2 or tax returns. Min credit 620, max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
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.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Tampa metro including St. Petersburg, Clearwater, Brandon, Riverview, and Wesley Chapel.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
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.
From our loan records, all products. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
How the numbers work: see a worked DSCR calculation or run your own in the DSCR calculator.
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 through our capital sources start at a 620 credit score. Higher scores improve leverage and pricing.
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.
DSCR loans in Tampa start at $150K with no maximum loan amount — larger loans are placed with jumbo DSCR sources in our network.
Yes. Rate-and-term refis and cash-out refis are available on Tampa rentals. Cash-out caps at 70-75% LTV.
Enough to decide it. Get a bindable quote before contract; the premium can move the ratio across 1.0 on its own.
It affects the lender's side. A faster recovery timeline widens the pool of sources comfortable writing there; a slower one makes some conservative on leverage.
We finance rentals across the full Tampa metro, including St. Petersburg, Clearwater, Brandon, Riverview, Largo and Pinellas Park. The submarkets are not interchangeable:
St. Petersburg and the Pinellas side of the bay carry a distinct pre-war bungalow stock and a strong short-term rental market near the Gulf beaches, with different municipal STR rules than Tampa; Brandon and Riverview to the east bring newer suburban single-family. Flood zone mapping across low-lying Pinellas drives insurance and therefore DSCR.
Whichever submarket the property sits in, the ratio is underwritten the same way — run it in the DSCR calculator with the actual local tax and insurance figures first.
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