📞 (877) 298-1001 · Mon-Sat 7am-9pm CT · Lending in Florida · NMLS #1734316
— FIX & FLIP LOANS · TAMPA, FL

Fix & Flip in Tampa
Close in 10 Days. 90% LTC.

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 →
9.99%
From Rate
90%
Max LTC
100%
Rehab
7-10 Days
Close

Fix & Flip Loans in Tampa, FL — Key Facts for Investors

Why Tampa Is a Strong Market for Fix & Flip Investors

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.

Median Price
$385,000
Citywide
Rental Yield
6.4%
Average gross
Appreciation
5.1%
YoY
Metro Pop
3.3M
Greater Tampa

Active Tampa Investor Neighborhoods

TAMPA

Hyde Park

Active investor market with strong rental demand and fix flip activity.

TAMPA

South Tampa

Active investor market with strong rental demand and fix flip activity.

TAMPA

Ybor City

Active investor market with strong rental demand and fix flip activity.

TAMPA

Seminole Heights

Active investor market with strong rental demand and fix flip activity.

TAMPA

Channel District

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.

Recent Tampa Closings

Flip · Hyde Park
$288K + $96K Rehab
Closed
90% LTC · 100% rehab · 12-month term · 680 FICO · closed in 8 days
Heavy Rehab · South Tampa
$269K + $154K Rehab
Closed
85% LTC · 100% rehab · 18-month term · 700 FICO · closed in 10 days
Light Flip · Ybor City
$308K + $46K Rehab
Closed
90% LTC · 12-month term · 720 FICO · closed in 7 days

Key Considerations for Tampa Investors

Tampa comps and ARV validation

Accurate ARV is critical. Tampa submarkets like Hyde Park have strong comp data. Lenders want 3-5 recent comps within a quarter mile.

Rehab budget and scope

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.

Exit strategy requirements

Lenders require a clear exit — sale or refi to DSCR. Market time in Tampa averages 30-60 days. Build a 6-month exit buffer.

Experience requirements

First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.

Frequently Asked Questions — Tampa Fix & Flip

What's the max LTC for a Tampa fix and flip loan?

Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.

How fast can I close a fix and flip loan in Tampa?

Typical Tampa fix and flip closings happen in 7-10 business days. Experienced borrowers can close in 5-7 days.

Do I need flipping experience to qualify in Tampa?

First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.

What credit score do I need for a Tampa fix and flip loan?

Most programs require 660+ FICO. Stronger programs start at 680-700.

How is rehab budget funded in Tampa?

Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.

What loan amounts are available for Tampa flips?

Fix and flip loans in Tampa range from $150K to $5M. Most SFR flips fall in $200K-$800K range.

Can I flip properties in my LLC in Tampa?

Yes. All Tampa fix and flip loans allow LLC borrowing with a personal guarantee.

What happens if my Tampa flip takes longer than the loan term?

Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.

Related Tampa Loan Programs

DSCR Loans in Tampa → Bridge in Tampa → Construction in Tampa → Fix & Flip in Florida →

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