Broker, not a lenderHard Money Lenders inTampa, Florida
Fix and flip, DSCR rental and new construction financing for Tampa investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Tampa deal right now
Prefilled with a realistic Tampa deal. Change any number and it reprices instantly on the lanes licensed in Florida, using the same engine behind our term sheets.
Financing a deal in Tampa
Tampa changed after Helene and Milton hit back to back in the fall of 2024. South Tampa and the low streets near the bay took water, a lot of those houses are still being sorted out, and buyers now ask about flood history before they ask about the kitchen. The steadier flip pockets sit inland and a little higher: Seminole Heights, Sulphur Springs, East Tampa and the older parts of West Tampa, where 1920s bungalows and 1950s block homes sit on small lots close to downtown.
What decides a Tampa flip now is elevation and insurance, more than finish. Two houses a mile apart can carry very different premiums, and that premium lands in your buyer’s monthly payment, which caps what they can pay you. We want the flood zone, the elevation certificate if one exists, and the storm claim history up front. A house that stayed dry in 2024 and has a newer roof is worth real money to a Tampa buyer, and the comps show it.
What a Tampa deal looks like on paper
Tampa example: $250,000 purchase, $65,000 rehab, $440,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Think a 1950s block house in Seminole Heights or Sulphur Springs with dated baths, an old panel and a tired roof. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15%)You$37,500
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$2,775
- Title and closingTitle$3,707
- Prepaid interest (15 days)Lender$1,082
- Property insuranceInsurer$2,993
- AppraisalAppraiser$550
Interest while you rehab: $1,681 a month on the $212,500 funded at closing, $2,195 once every draw is out. Proof of funds is cash to close plus $17,550 of rehab reserve and $13,167 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Tampa
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips2 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| Fastest Close (3 days) | 10% | No minimum | First flip OK | 11.99% | 2% | 75% of ARV | 6 months | 72 hours |
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Tampa comps say
Redfin puts the Tampa median sale price at $479K for the three months ending August 2026, up 10.0% on a year earlier, with homes selling in around 46 days. Zillow’s home value index for Tampa is $377,566, down 0.3% over the year. In 33604, covering Sulphur Springs and part of Seminole Heights, Redfin’s median is $372K.
| Median sale price, Tampa (Redfin, 3 months to Aug 2026) | $479K |
| Days on market, Tampa (Redfin) | 46 |
| Zillow home value index, Tampa (Aug 2026) | $377,566 |
| Median sale price, 33604 (Redfin) | $372K |
Sources: Redfin, Tampa housing market · Zillow, Tampa home values · Redfin, 33604 housing market · Hillsborough County, rebuilding and the 50% rule
How a Tampa file actually gets priced
The Tampa comp pool is messy right now. Storm-damaged houses sold as-is, lots sold for teardowns, and fully rebuilt homes all sit in the same sales data, and an appraiser who blends them lands in the wrong place. We strip out the distressed and teardown sales and set the after repair value on finished, non-storm sales from the same neighborhood. Inside Seminole Heights, north of Hillsborough Avenue trades differently from the historic core near the river, so we keep comps on the right side of that line.
After the 2024 storms, Hillsborough County and the City of Tampa have been strict about the FEMA 50% rule. If a house in a flood zone needs repairs or improvements costing half or more of its market value, the whole structure has to meet current flood code, which usually means elevating it or tearing it down. Get the numbers on that before you buy anything storm-hit. Inside the Seminole Heights historic district, exterior changes go through architectural review first. And on 1950s and 1960s block houses, check the wiring and cast iron drains, both common failures.
Who buys your finished Tampa deal
Tampa buyers are paying close attention to insurance, so a newer roof, impact windows and a wind mitigation report showing the discounts help your price as much as a new kitchen does. In Seminole Heights and West Tampa the exit is a young professional or a move-up buyer who wants to be near downtown. In Sulphur Springs and East Tampa it’s more often a first-time buyer on FHA, or an investor buying a rental. If the rent covers it, a DSCR refinance is a real backstop.
Your whole loan, in one portal
Apply once and the whole Tampa loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Tampa
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Tampa.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Tampa
We broker deals across the whole Tampa market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Florida, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Tampa hard money FAQ
Do you lend hard money in Tampa?
Which fix and flip programs apply in Tampa?
How fast can a Tampa hard money loan close?
How much do I need to bring to close on a Tampa flip?
Do you fund the rehab budget in Tampa?
What credit score do I need for a Tampa fix and flip loan?
Can I refinance a Tampa flip into a rental loan?
Can I flip a storm-damaged house in Tampa?
Does the Seminole Heights historic district slow a rehab down?
Before you sign anything
Ready to fund your Tampa deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.