the Tampa Bay area

Hard Money Loans in St. Petersburg, Florida

Hard money in St. Petersburg — historic bungalow fix & flip and short-term rental DSCR across Pinellas County.

92.5%Max LTC
5-dayFunding
0.75DSCR min.
PinellasCounty + all FL

The St. Petersburg investor market

St. Pete's arts-driven, walkable neighborhoods make it one of Tampa Bay's best bungalow-flip and short-term-rental markets. LendingFLA funds purchase plus rehab fast, with flood and insurance modeled into every deal.

Areas we serve in & around St. Petersburg

Old NortheastKenwoodHistoric UptownGulfport

How St. Petersburg investors use LendingFLA

Historic Kenwood and Old Northeast bungalows sell quickly when renovated; flood zones matter here, so we help structure deals around insurance and elevation.

Loan Programs

Investor loan programs in St. Petersburg

One application, access to a network of top private lenders — competitive, asset-based terms across every investment strategy.

Fix & Flip

Buy, renovate and resell with leverage that protects your cash.

Up to 92.5% LTC · 100% rehab · 5-day funding

Bridge Loans

Move fast on time-sensitive deals and bridge to your exit.

5-day close · interest-only · no prepay

DSCR / Rental

Qualify on the property's rent — not your tax returns.

DSCR from 0.75 · up to 80% LTV · 30-yr

New Construction

Ground-up financing with rapid, inspection-based draws.

Up to 90% LTC · 100% of construction

Multifamily

Acquisition & bridge capital for 5+ unit projects.

Up to 80% LTV · bridge & perm

Commercial & Foreign National

Asset-based loans, including foreign-national programs.

No US credit OK · fast close
Questions

St. Petersburg hard money FAQ

Yes — flood and insurance are key in Pinellas. We help you underwrite around them and favor higher-elevation lots.
Yes — its walkability and beaches support STR DSCR strategies underwritten on rental income.

Ready to fund your next St. Petersburg deal?

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