Residential investment financing across the Tampa Bay metro area. Construction loans, DSCR rental financing, bridge loans, fix & flip, and build-to-rent programs for builders and investors in one of Florida's most dynamic markets.
Tampa Bay is one of the fastest-growing metros in the country, with a population of approximately 3.2 million and sustained migration from the Northeast and Midwest. The region benefits from Florida's zero state income tax, a diversified economy spanning finance, healthcare, and technology, and a quality of life that continues to attract both residents and businesses. The Water Street Tampa development has transformed the downtown core, while suburban corridors in Wesley Chapel, Brandon, and Riverview are absorbing new construction at record pace.
For builders and investors, Tampa Bay offers a compelling investment thesis. Median home prices around $370K remain accessible relative to Miami and other Florida coastal markets, while rents have risen sharply over the past several years. The combination of strong population growth, no state income tax, and consistent rental demand makes Tampa Bay an excellent market for new construction, DSCR rental portfolios, and fix-and-flip strategies. Hillsborough and Pinellas counties provide deep, liquid markets with strong resale activity.
We finance residential investment projects across the Tampa Bay metro, including Hillsborough, Pinellas, and Pasco counties.
Every loan program we offer is available to qualified borrowers and properties in the Tampa Bay metro.
Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.
Learn More30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.
Learn MoreAcquisition and renovation capital for value-add residential projects.
Learn MoreCapital for home builders to leverage their lot position and break ground on new residential projects.
Learn MoreFinancing for purpose-built rental communities and single-family rental developments.
Learn MoreThese high-growth corridors in Pasco and southern Hillsborough counties are absorbing new homes at a rapid pace. Builders delivering single-family homes in the $380K to $520K range are seeing strong buyer demand from relocating families. Available lots, favorable permitting timelines, and deep buyer pools make these areas ideal for spec home construction programs.
Brandon, Riverview, and Land O' Lakes offer single-family rentals in the $300K to $400K range with rents of $1,400 to $1,800/month. Florida's zero state income tax enhances net yields for out-of-state investors. DSCR financing allows investors to qualify based on property cash flow and scale portfolios without traditional income documentation requirements.
Older neighborhoods in St. Petersburg and Tampa's Seminole Heights offer value-add opportunities where acquisition costs remain below replacement value. Strong buyer demand for renovated homes in walkable, character-rich neighborhoods supports $60K to $100K renovation budgets with healthy margins. These areas benefit from limited new construction supply and high desirability among owner-occupant buyers.
Our team has deep experience financing residential projects across the Tampa Bay metro. Reach out to discuss your next deal.
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