Hard Money Lenders Tampa – Fast Fix & Flip, Rental & Construction Loans
As one of the go-to hard money lenders in Tampa FL, HardMoneyMan.com offers hard money loans in Tampa with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
The Leading Hard Money Lenders making Investment Property loans in Tampa since 1998.
The Leader in Hard Money Loans in Tampa
Submitting your application package is quick and easy.
Why Tampa Investors Choose Us as their Hard Money Lenders
Tampa’s real estate market is one of the fastest-growing in Florida, with neighborhoods like Seminole Heights, Hyde Park, and Ybor City attracting investors who want quick closings and flexible financing. Traditional banks often move too slowly for competitive deals. Hard money loans solve this problem by offering speed, asset-based approvals, and funding tailored to investment properties.
Hard money lenders in Tampa focus on the deal and the borrowers experience. This makes them ideal for:
- Fix & flip projects
- Rental property acquisitions
- New construction financing
- Bridge loans for fast closings
- Asset based loans for bad credit borrowers at 50% loan to value
Apply now — close fast in Tampa
Fix & Flip and Construction loans close in as little as 7 days.
DSCR Rental loans close in as little as 14 days.
Benefits of Tampa Hard Money Loans
Speed of Closing
Investors can close in as little as 7 days, compared to 30–60 days with banks.
Flexible Approval
Approval is based on the property’s ARV (After Repair Value) and rehab plan, not strict credit requirements.
Local Market Expertise
Tampa lenders understand the nuances of neighborhoods like Channelside, Carrollwood, and Brandon, ensuring funding aligns with local property values.
Funding for Multiple Scenarios
Whether you’re flipping a bungalow in Seminole Heights or building a duplex near USF, hard money loans adapt to your project.
Loan Programs Available in Tampa
Fix & Flip Loans – Short-term financing for purchase + rehab.
Rental Property Loans (DSCR) – Long-term financing based on rental income coverage.
Construction Loans – Funding for ground-up builds or major renovations.
Bridge Loans – Quick capital to secure deals before permanent financing.
Need a quick quote on your Tampa deal?
Send purchase price, rehab budget, and target ARV — we’ll reply same day with terms.
How to Qualify for a Tampa Hard Money Loan
Property Value
Lenders evaluate purchase price, rehab budget, and ARV.
Exit Strategy
Clear plan for selling, refinancing, or renting.
Investor Experience
First-time investors can qualify, but experienced flippers often secure better terms.
Down Payment
Typically 10–30% of purchase price, depending on risk profile.
Tampa Market Insights
Tampa’s median home price has risen steadily, with strong demand for renovated properties. Investors targeting areas near downtown, the Riverwalk, and university districts see consistent returns. Rental demand is also high, making DSCR loans attractive for long-term investors.
Local Market Insight That Lenders Can’t Fake
Unlike national firms, we’re embedded in the markets we serve. Our founder Ken Vesely is both a lender and investor — with deep roots in Florida, New Jersey, and New York real estate. Ken has personally funded over 25,000 deals nationwide, and uses that experience to help clients avoid delays, appraisal issues, and underwriting surprises.
Market intelligence matters in Tampa. Our lending team tracks key indicators like:
- Population growth across Hillsborough and Pinellas Counties
- Housing trends in Westshore, Channelside, and Seminole Heights
- Investment velocity in zip codes 33602, 33607, 33610, and beyond
Want to learn more about deal velocity and exit strategies? Explore our Tampa lending stats & investor insights.
What Our Borrowers Say
“No nonsense. No BS. All business. Ken walked me through my first rehab loan and we closed fast with zero friction.” — Tom Tinsey, Tampa FL
“Efficient, responsive, and extremely knowledgeable. We closed in under 30 days — could’ve been faster without holidays!” — Brandi Pernell, Kingdom Realty LLC
These aren’t generic testimonials — they’re authentic feedback from actual borrowers who trust us with repeated deals. See more Tampa reviews and investor success stories.
Application Process – Fast, Transparent, Efficient
We don’t hide behind sales scripts or rigid underwriting. Here’s how funding works:
- Submit your loan scenario via our Apply Here form
- We reply with your loan terms, max LTV, rate & timeline
- Receive our loan package + appraisal instructions
- File enters underwriting (average 24-hour turnaround)
- Title coordinates closing — typically in 7–14 days
Closing Speed by Program Type:
- Fix & Flip: 7–8 days
- Construction: 8–10 days
- DSCR Rentals: ≤14 days
Ready to Fund Your Tampa Property?
Whether it’s a rehab in South Tampa or a rental portfolio in New Tampa, HardMoneyMan.com funds deals fast — with terms built for investors, not institutions.
Why Choose HardMoneyMan.com in Tampa
25,000+ loans funded nationwide
$3.5B in capital deployed
Local expertise in Florida metros
Transparent terms, no hidden fees
Fast closings with personalized support
Tampa Fix and Flip Loans
Tampa Construction Loans
Tampa Rental Loans
Tampa Multi Family Loans
Asset Based Loans in Tampa
Commercial Hard Money Loans in Tampa
Hard Money Lenders Tampa Florida | Fast Closings, Local Insight, Trusted Since 1998
Why Tampa Real Estate Investors Trust HardMoneyMan.com
With over 25 years of hands-on experience in real estate investing and private lending, HardMoneyMan.com LLC is one of Tampa’s most trusted and seasoned hard money lenders. We’ve funded over 3,000 Florida deals, including fix & flips, new construction projects, multifamily acquisitions, and rental portfolios — and we back every loan with real-world expertise and clear communication.
Whether you’re flipping in Hyde Park, building spec homes in Brandon, or acquiring DSCR-backed rentals in Ybor City, we provide flexible programs tailored to your strategy.