the Tampa Bay area

Hard Money Loans in Tampa, Florida

Hard money for Tampa Bay investors — bungalow fix & flip, BRRRR rentals and DSCR financing across Hillsborough County.

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

The Tampa investor market

Tampa is one of Florida's hottest investor markets, led by historic bungalow flips in Seminole Heights and strong workforce-rental demand inland. LendingFLA funds purchase plus rehab on fast hard money, with closings in as few as 5 days so you don't lose a deal to a slower buyer.

Areas we serve in & around Tampa

Seminole HeightsYbor CityEast TampaSulphur SpringsTemple TerraceRiverview

How Tampa investors use LendingFLA

Walkable Seminole Heights and Ybor sell quickly to young professionals, making them prime fix-and-flip lanes — target higher-elevation lots to keep insurance manageable. East Tampa and Sulphur Springs are classic BRRRR neighborhoods that refinance cleanly into DSCR holds.

Loan Programs

Investor loan programs in Tampa

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

Tampa hard money FAQ

Flood and insurance are key underwriting variables in Tampa Bay. We help you structure around them — many investors target higher-elevation lots to keep carrying costs and insurance lower.
Fix-and-flip programs fund most of the purchase plus up to 100% of rehab, with loan sizes scaled to the after-repair value of the bungalow.

Ready to fund your next Tampa deal?

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