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. 620+ credit. Close in 5-10 days.
Check My Tampa Rate →The 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. Bungalow rehab in Seminole Heights, Tampa Heights, West Tampa and Kenwood, and block-home flips in Sulphur Springs. Roof age, flood-zone insurability and termite are standard.
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.
Pre-war stock in Tampa means the scope is rarely what the walkthrough suggests. Budget the mechanicals before the finishes and expect the inspector to find what the seller did not disclose.
Insurability at resale is the exit risk in Tampa. If the roof, openings or elevation make the property hard to insure, the ARV you underwrote may not be the price you clear.
Also see: Jacksonville, FL →Miami, FL →DSCR Loans in Tampa →Fort Myers, FL →Lakeland, FL →Orlando, FL →Palm Bay, FL →Pensacola, FL →
Fix & Flip loans in Tampa qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
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.
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%+.
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 what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Tampa fix and flip closings happen in 5-10 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.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
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.
Roof age, flood-zone insurability and termite are standard. Budget contingency for it.
Only if the scope addresses what carriers price — roof age, openings, elevation. Confirm before you close; it is the exit.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
We finance flips 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 loan is underwritten the same way — run it in the ARV and cash-to-close calculator with the actual local purchase, rehab and ARV figures first.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
Check My Eligibility →By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
Investment Property Only • 620+ FICO • $150K+ Loans
🔒 SSL Secured · 256-bit Encryption · ✓ Investment Properties
Or call us directly: (877) 298-1001
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.