Tampa real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 660+ credit. Close in 7-10 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 fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
We also fund investments throughout the greater Tampa metro including St. Petersburg, Clearwater, Brandon, Riverview, and Wesley Chapel.
Accurate ARV is critical. Tampa submarkets like Hyde Park have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Tampa rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Tampa — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Tampa averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Tampa fix and flip closings happen in 7-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
Most programs require 660+ FICO. Stronger programs start at 680-700.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Tampa range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Tampa fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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