Hard Money Loans Tampa, Florida
Finance a Tampa flip, bridge, or ground-up project on the deal — not your income. As Florida's top flip market, Tampa keeps value-add rehabs moving from Seminole Heights to Ybor. Direct lender since 1998, funding in as few as 5 days.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- Top FL flip market · value-add rehabs
- SF, 2–150 unit, multifamily, mixed-use, industrial, commercial & ground-up
- Interest-only or 30–40 yr amortized options · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Tampa Hard Money Loans — Key Facts (2026)
- What it is: A fast, asset-based loan secured by the property — funded on the deal, not your personal income.
- Best for: Home rehabbers and top-market fix & flip investors
- Leverage: Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV. Rates: from 7.875% · 1–3 points.
- Terms: Interest-only or 30–40 year amortization options. Funding: as fast as 5 days.
- Property types: SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial & ground-up construction.
- Lender: CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Hard Money in Tampa
What is a hard money loan in Tampa, Florida?
A Tampa hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Tampa is the top flip market in Florida, built on value-add rehabs from Seminole Heights and Ybor City to South Tampa. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options, funding rehab on draws in as few as 5 days — then help you exit by sale or a DSCR refinance on the stabilized rent.
| Secured by | The property (asset-based) — no personal income used |
| Max leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rates from | 7.875% (deal-dependent) · 1–3 points |
| Terms | Interest-only or 30–40 year amortization options |
| Funding speed | As fast as 5 days · rehab draws available |
| Property types | SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial, ground-up |
| Area | Hillsborough County, Gulf Coast Florida |
Eligible properties
Tampa hard money property types
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
Tampa flip playbook
How to play the Tampa hard money market
Tampa's flip market runs on character reno and infill. Seminole Heights and Riverside Heights reward historic-bungalow value-add, Ybor City and East Tampa suit high-yield BRRRR, and South Tampa commands premium reno - but verify the FEMA flood zone there before you buy, because coastal flood insurance can swing a South Tampa deal more than the rehab budget.
Tampa Bay's population and job growth (finance, healthcare, the port, and tech relocations) keeps buyer demand deep and days-on-market short, so well-scoped flips move fast. Budget for hurricane wind coverage on every deal, and confirm permit history on older Seminole Heights and Hyde Park stock before you close.
Worked example: a $360,000 Seminole Heights bungalow with a $70,000 rehab to a $520,000 ARV funds at up to 95% of cost through draws - and at Tampa's short days-on-market, the holding cost stays low if the scope is tight.
Tampa market data
Tampa fix & flip market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | About $410K |
| Typical flip margin | $55K-$110K gross |
| Avg days on market | About 35 days |
| Investor activity | Very high · top FL market |
| Insurance (holding) | Elevated · wind |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Tampa neighborhoods
Where Tampa flips & BRRRRs pencil
Representative 2026 figures across Hillsborough County, confirmed per deal by an as-is and ARV appraisal.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| Seminole Heights | $300K-$550K | Value-add rehabs |
| South Tampa | $500K-$900K | High-ARV flips |
| Ybor City | $250K-$450K | Historic value-add |
| West Tampa | $280K-$480K | Infill flips |
| Riverside Heights | $350K-$600K | Close-in demand |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
Tampa fix & flip / hard money calculator
Enter your numbers and see your loan, cash to close, financing cost, and net profit instantly. We lend up to 95% of cost, 90% of purchase + 100% of rehab, and 75% of ARV — the calculator applies the lowest limit automatically. Illustrative only; final loan uses an as-is and ARV appraisal.
Your deal
Illustrative only; not a commitment to lend. Net profit assumes ~7% selling costs and excludes taxes, utilities, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Tampa hard money loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application below — or call (800) 826-5077.
Worked example
A real Tampa hard money deal
A Seminole Heights project bought at $320,000 with a $70,000 rehab (ARV $480,000): applying the 90%-of-purchase + 100%-of-rehab cap, we lend about $358,000; with 2 points (about $7,200) and about 9 months of interest at 9.49% (about $25,500), estimated cash to close is about $39,200. After about 7% selling costs, estimated net profit is about $23,800 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
Tampa hard money loan programs
| Fix & flip | Purchase + rehab; up to 95% LTC / 90% purchase / 100% rehab; draws |
| Short-term rental (STR) loans | Acquire or reposition Airbnb / vacation rentals; bridge to a DSCR STR exit |
| Commercial | Office, retail, industrial & special-purpose; value-add & stabilize |
| Mixed-use | Ground-floor retail + residential; reposition & lease-up |
| Ground-up construction | For builders & developers; land + vertical draws |
| Bridge | Fast close, reposition, or buy before you sell |
| 2–150 unit multifamily & commercial | Value-add, reposition & stabilize |
| Rental / DSCR exit | 30–40 yr amortized options; refinance to a long-term loan |
| Cash-out & auction | Pull equity fast; proof of funds for competitive buys |
Requirements
Tampa hard money requirements
| Down / skin in the deal | As little as 5–10% of cost at up to 95% LTC |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; investors get higher leverage |
| Valuation | As-is + ARV appraisal; scope of work for rehab |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale (flip) or refinance to a 30–40 yr amortized / DSCR loan |
Answers
Tampa hard money loan FAQ
Why is Tampa a strong hard money flip market?
Tampa is Florida's top flip market by volume, with steady home-rehab demand from Seminole Heights to South Tampa.
Do you fund value-add rehabs in Tampa?
Yes — purchase and 100% of rehab on draws, sized to the after-repair value in historic Tampa neighborhoods.
How fast can I close in Hillsborough County?
As few as 5 days on a complete file, with draw funding as the rehab progresses.
Can I refinance my Tampa flip into a rental loan?
Yes — exit into a 30-40 year DSCR loan on the stabilized rent, handled in-house.
Do you offer a BRRRR loan program in Tampa?
Yes. We fund the hard money bridge to buy and rehab, then refinance you into a 30–40 year DSCR rental loan on the stabilized rent — no tax returns, qualified on the property's cash flow. Both sides are underwritten in-house for a seamless handoff.
Can you bridge a Tampa multifamily or mixed-use deal?
Yes — from 2–4 units in Ybor City to 30–150 unit value-add and mixed-use along the streetcar line. We lend up to 95% of cost on the reposition, interest-only with rehab draws, then refinance to permanent.
Do you fund short-term / vacation rental rehabs in Tampa?
Yes. Our bridge and STR-rehab programs fund the acquisition and reposition on the asset for the Tampa–St. Pete visitor market, then exit by sale or a DSCR refinance that qualifies on short-term-rental income.
Beyond fix & flip
Tampa investor loan programs: bridge, BRRRR, multifamily & more
A Tampa hard money loan is only the entry point. Because CambridgeHomeLoan is a direct lender, we structure the whole deal — the fast bridge in, the rehab draws, and the long-term exit — across every business-purpose program below. Each is asset-based, funded on the deal (not your income), and available from Seminole Heights and Ybor City to South Tampa, Brandon, Riverview and the Westshore corridor.
Fix & flip bridge loans in Tampa
Our core Tampa flip program funds up to 95% of cost — 90% of purchase plus 100% of rehab on draws, capped at 75% of ARV — so you can buy, renovate, and resell a Seminole Heights bungalow or a South Tampa teardown with minimal cash in the deal. Interest-only during the hold, close in as few as 5 days, no tax returns. See the full fix & flip loan program →
The Tampa BRRRR loan program (buy, rehab, rent, refinance, repeat)
BRRRR investors use our hard money bridge to acquire and rehab, then refinance out of the short-term loan into a 30–40 year DSCR rental loan on the stabilized rent — no W-2s, qualified on the property's cash flow. It is the fastest way to recycle capital across Tampa's high-rent neighborhoods like Riverside Heights, Old Seminole Heights, and East Tampa. We underwrite both the bridge and the DSCR exit in-house, so the handoff is seamless. Explore the DSCR refinance exit →
Multifamily & mixed-use bridge loans
From a 4-unit in Ybor City to a 30–150 unit value-add or a mixed-use building along the streetcar line, we bridge multifamily and commercial deals on the asset — reposition, lease-up, and stabilize, then refinance to permanent. Up to 95% LTC on the reposition, interest-only, with rehab draws. See multifamily & mixed-use loan options →
Ground-up construction in Hillsborough County
For builders and developers, we fund land plus vertical construction on a draw schedule — infill single-family in South Tampa, townhome projects, and small multifamily across the metro. See construction loan options →
Bridge & vacation-rental (STR) rehab loans
Need to close before you sell, buy at auction, or reposition a short-term rental for the Tampa–St. Pete visitor market? Our bridge and STR-rehab programs fund fast on the asset and exit by sale or a DSCR refinance that qualifies on projected or actual short-term-rental income. Bridge loans → · Vacation rental rehab loans →
| Program | Best for | Structure |
|---|---|---|
| Fix & flip bridge | Buy–rehab–resell | Up to 95% LTC · 90% purchase · 100% rehab · 75% ARV |
| BRRRR (bridge + DSCR) | Buy–rehab–rent–refi | Hard money in, 30–40 yr DSCR out on the rent |
| Multifamily / mixed-use bridge | 2–150 unit value-add | Up to 95% LTC reposition, then refinance to permanent |
| Ground-up construction | Builders & developers | Land + vertical on draws |
| Bridge / STR rehab | Fast close, auction, short-term rental | Asset-based, exit by sale or DSCR |
Keep exploring
Related Tampa & Florida investor loans
Get funded in Tampa
Apply for your Tampa hard money loan
Start your application on the right — no tax returns, same-day term sheet, and funding in as few as 5 days. Prefer to talk it through? Call (800) 826-5077.
Get Your Free Quote! No Credit Pull Required.
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Hard money loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTC, ARV, amortization, and terms are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. "Up to 95% LTC" reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. Values are estimates confirmed by an as-is and after-repair-value appraisal on your specific property. Calculator results are illustrative and exclude some holding, closing, and selling costs. This page is informational and does not constitute financial, legal, tax, or investment advice.