Tampa Bay Coverage

Hard Money & DSCR Loans in Tampa

Tampa has been one of the strongest investor markets in the country. We fund the strategies that work.

Pimlico Capital funds bridge and 30-year DSCR rental loans across Tampa. The city's bungalow and small-multifamily inventory, combined with steady rental demand from new residents, makes it one of the most reliable fix-and-flip and BRRRR markets in Florida. We close in as little as 5–7 business days.

Get a Quote for a Tampa Deal Call (410) 855-4600
Tampa city skyline
Tampa
5–7 daysTypical close on Tampa bridge deals
70% LTVUp to, with 100% rehab funding
10+Tampa neighborhoods we know
Loan Products Available in Tampa

What We Fund Here

Both of our core products are available in Tampa to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Short-term

Bridge & Fix-and-Flip

  • Up to 90% of purchase, 100% of rehab
  • 6–18 month terms, extensions available
  • Close in as little as 5–7 business days
  • $75K minimum, $3M maximum
Bridge loan details →
Long-term

30-Year Rental (DSCR)

  • Up to 80% LTV on purchase or rate & term refi
  • 30-year fixed amortization
  • No personal income documentation
  • $75K – $1.5M per property, portfolio loans available
DSCR rental details →
Neighborhoods We Know

Tampa Neighborhoods We Fund

Active book and on-the-ground knowledge — fix-and-flip, BRRRR, and 30-year DSCR holds across Tampa.

Seminole Heights

Bungalow flip and BRRRR territory. Walkable, food-and-drink scene, strong rental demand from young professionals.

Ybor City

Historic district with active multifamily and mixed-use plays. Historic overlay rules apply.

West Tampa

Active fix-and-flip and DSCR rental territory. Block-by-block underwriting works best here.

Tampa Heights

Walkable, transit-adjacent. Steady investor activity and reliable ARVs.

Riverside Heights

Active flip market with rising ARVs. Strong rent-to-price spreads.

Old Seminole Heights

Historic bungalow stock. Premium ARVs on completed flips with period-correct rehab.

Sulphur Springs

Value-add territory north of downtown. Earlier-stage deal sizes with strong DSCR cash flow.

V.M. Ybor & East Ybor

Multifamily and mixed-use plays. Strong rental demand from downtown commuters.

East Tampa

Workforce-housing DSCR territory. Steady tenant demand.

South Tampa & Bayshore

Higher-end single-family flips. Larger deal sizes and longer hold times.

Local Expertise

What we actually know about Tampa

A non-exhaustive list of the Tampa-specific things we deal with every day.

  • Tampa's permitting process and how to schedule draw inspections around it.
  • Wind-mitigation (HVHZ) requirements for South Florida-grade properties.
  • Hillsborough County rental registration for DSCR holds.
  • FEMA flood zones — Tampa has more flood-zone properties than most investors realize.
  • Historic district overlays in Ybor and parts of Seminole Heights.
  • Property insurance market — Tampa premiums and how to model them into DSCR.

Why local knowledge matters

A national lender with a call center won't know that a Tampa deal has its own underwriting quirks. We've closed thousands of deals across our footprint — and we've learned from every local curveball.

See real deals →
Common Questions

Tampa Lending FAQ

Do you lend in Tampa?
Yes. Tampa Bay is one of our active Florida markets. We fund both bridge / fix-and-flip and 30-year DSCR rental loans across Tampa and surrounding Hillsborough County.
How fast can you close a hard money loan in Tampa?
We typically close Tampa bridge loans in 5–7 business days. Title and permits are local, so we don't wait on out-of-state coordination.
Do you fund bungalow rehabs in Seminole Heights?
Yes. Bungalow flips and BRRRR plays in Seminole Heights are one of our common Tampa scenarios. We understand the period-correct rehab spend that drives the resale premium.
Can I get a DSCR loan on a Tampa rental?
Absolutely. Our 30-year DSCR program is a strong fit for stabilized Tampa rentals. We qualify on property income, not your personal W-2.
Do you fund deals in FEMA flood zones?
Yes, with appropriate flood insurance in place. We underwrite the flood premium into the carrying costs upfront.
What's the minimum and maximum loan size in Tampa?
Bridge loans run from $75K to $3M. DSCR rentals run from $75K to $1.5M per property, with portfolio loans available for larger holdings.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local market knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Investor Education

From the Blog

Investor playbooks — bridge, DSCR, BRRRR, and rehab fundamentals — from our team. See every market we serve on our Where We Lend page.

Ready to close a deal in Tampa?

Get a quote in 24 hours or call us right now.

Get a Tampa rate Call (410) 855-4600

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