What types of properties do you finance in Tampa?

We finance fix & flips, rental properties, land acquisitions, and ground-up construction projects throughout Tampa, Florida.

How fast can I close on a hard money loan in Tampa?

For fix and flip deals, we typically close in as little as 7 days. Construction loans may take up to 14 days depending on documentation.

Do you offer DSCR or rental loans for Tampa investors?

Yes, we provide DSCR rental loans with flexible underwriting and competitive rates for Tampa-area real estate investors.

Are there minimum loan amounts or credit requirements?

Minimum loan amounts generally start around $75,000. We focus more on asset value and project viability than credit score.

Is a personal guarantee required for Tampa hard money loans?

Personal guarantees may be requested depending on loan type and risk, but we also offer entity-based lending options.

Tampa’s #1 Hard Money Lenders for Real Estate Investors

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.

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Member of American Association of Private Lenders

Private Hard Money Lenders In Tampa FL

HardMoneyMan.com, LLC began lending on investment properties to real estate investors in Tampa in 1998. We have made over 3,000 loans in Tampa Florida since our inception and we pride ourselves on being second to none on knowing our real estate market, in customer service, transparency and terms when it comes to hard money loans. We make loans in all of Tampa. Our niche are 1-4 unit residential properties that are in need of renovation. We also lend to local builders that are putting up new housing.

Being rehabbers ourselves, this is a huge benefit to our borrowers as we know what challenges many borrowers run into when dealing with lenders and we try to make sure those are avoided at all costs. There are unique opportunities and challenges in Tampa and its investors are taking advantage and dealing with them of them every day.

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.

Explore our Florida programs:

Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans. He is also a real estate investor in NJ and NY.

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.

Infographic showing Tampa's real estate growth: 22% home price increase over 2 years, 11% rent growth over 1 year, and Tampa ranking #3 among fastest-growing U.S. metros in 2025

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.

Apply Now | Contact Us | Compare Florida Loan Programs

Tampa Fix and Flip Loans

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Hard Money Lenders Tampa Florida FAQ’s

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Are there any exceptions to property types for financing?

Certain types of properties may not qualify for financing depending on their designation or location. For instance, some lenders may have restrictions on funding properties classified as "rural" due to specific guidelines or risk assessments. It's essential to review the lender's financing criteria to ensure that the property type meets their requirements for funding.tion

Can you finance properties that will be used for short-term rentals?

Yes, we can finance properties that will be used for short-term rentals on our stabilized bridge program only The loan will be based on what the property would rent for on a 12 month market lease, not the short-term rents. Feel free to reach out to us for more details on financing options for properties intended for short-term rentals.

Can you fund commercial retail?

Yes, if the property is less than 50% commercial in square footage, with the balance being residential.

Do you offer 30 year loans in Tampa?

Yes we do for 1-4 unit residential rental properties.

Where can an investor find statistics on Tampa's population, housing market trends, and economic indicators?

An investor seeking statistics on Tampa's population, housing market trends, and economic indicators can find valuable information from various sources. The U.S. Census Bureau provides detailed annual statistics on factors such as Population, Total Housing Units, Owner-Occupied Housing Unit Rate, Median Gross Rent, Building Permits, Education, Economy, Businesses, Employment, and more for the city. Additionally, the real estate website Redfin offers a comprehensive database of housing market trends in the U.S., which can be easily searched by city. This information includes Median Sale Price, Number of Homes Sold, Median Days on the Market, and Sale-to List Price population. Redfin also provides up-to-date data on Migration Trends and offers insights into the Latest News and Housing Market Predictions for Tampa, Florida.

How can an investor understand Tampa's growth trends, housing market, and economic foundation?

An investor seeking to understand Tampa's growth trends, housing market, and economic foundation can start by researching key indicators that offer insights into these aspects. Firstly, looking at data from reputable sources such as the U.S. Census Bureau can provide valuable information on population growth, housing units, homeownership rates, rent levels, building permits, education levels, employment data, and more specific to Tampa. This data can serve as a baseline to gauge the city's demographic trends and overall development. For insights into Tampa's housing market, platforms like Redfin offer detailed statistics on trends such as median sale prices, number of homes sold, average days on the market, and the ratio of sale-to-list prices. Additionally, analyzing migration trends can give an understanding of how the housing market is affected by factors like population movements. Staying updated on the latest market news and predictions can also provide valuable information for investors considering real estate opportunities in Tampa. Understanding Tampa's economic foundation involves delving into the city's major industries, the diversity of its business sector, top employers, and the presence of key economic drivers like tourism and entertainment offerings such as sports teams. Evaluating the presence of higher education institutions and schools that contribute to the local talent pool can give insights into the potential for sustained economic growth in Tampa. By examining these factors comprehensively, investors can make informed decisions on whether Tampa presents a valuable location for investment in residential real estate.

What factors should an investor consider when looking for a real estate investment opportunity in Tampa, Florida?

When considering a real estate investment opportunity in Tampa, Florida, investors should thoroughly examine key factors before making a decision. Factors to consider include analyzing the growth trends of the city, understanding the dynamics of the housing market in Tampa, and assessing the economic foundation of the area. These elements can provide valuable insights into whether Tampa represents a worthwhile location for investing in residential real estate. In particular, investors should focus on the health of the local economy, the presence of a robust rental market with a high demand for properties, and the potential for property values to appreciate over time. By carefully evaluating these factors, investors can determine if Tampa, Florida, offers a solid and promising investment destination for real estate ventures.

What are the maximum loan amounts and loan-to-value ratios for different types of investor loans offered by the lender?

The lender offers a range of investor loans tailored to diverse real estate investment needs. For Hard Money bridge and rental loans, borrowers can access fast and flexible financing with competitive rates. The loans support various asset classes and feature up to 90% of purchase, 70% loan-to-value ratios, including 100% rehab financing for Fix and Flip Loans, and up to 75% LTV on cash-out refinancing for Rental Loans/Portfolio Rental Loans. The loans cater to the strategic requirements of both first-time fix-and-flip investors and experienced rental portfolio investors. Investors seeking New Construction Loans can benefit from loan-to-cost ratios of up to 90% and loan-to-after-repair-value ratios of up to 70%. For Multifamily Bridge and Multifamily Rental loans, loan-to-value ratios of 65-70% are offered. Moreover, the lender allows maximum loan amounts of up to $5 million across these various investor loan options.

How does the lender cater to the needs of first-time fix and flippers and experienced rental portfolio investors?

The lender customizes its Hard Money Loans to meet the specific needs of both first-time fix and flippers as well as experienced rental portfolio investors. These tailored loans offer up to 80% LTV, 85% LTC, and 70% LTARV for New Construction Loans, ensuring that various project requirements are met. For Multifamily Bridge loans, the lender provides up to 80% LTC (comprising a portion of the purchase price and 100% of the construction costs), while Multifamily Rental loans offer a competitive 65-70% LTV. With a maximum loan amount of $5M available, the lender's financial solutions cater to investors at every level, from the novice fixer-upper to seasoned rental property owners and even large-scale developers with multi-million dollar investments. Ultimately, HardMoneyMan.com LLC supports the diverse dreams and aspirations of investors across the board.

What are the key features of the hard money loans provided, such as rates, closing times, and financing options?

The hard money loans offered here cater to real estate investors across various asset classes and are characterized by their notable features. These loans are designed to be fast, flexible, and reliable, ensuring a smooth borrowing process. With competitive rates, borrowers can secure financing quickly, closing in as little as 7 days. The loan-to-value (LTV) ratios provided are favorable, going up to 70% for various loan types such as Fix and Flip Loans, New Construction Loans, Multifamily Bridge Loans, and Multifamily Rental Loans. In addition to competitive rates and quick closing times, the financing options are tailored to meet the strategic needs of borrowers, whether they are first-time fix and flippers or experienced rental portfolio investors. For Fix and Flip Loans, there is up to 100% rehab financing available, while Rental Loans offer up to 75% LTV on cash-out refinancing and 80% on a purchase. New Construction Loans provide up to 90% loan-to-cost (LTC) and 70% loan-to-after repair value (LTARV). Multifamily properties can benefit from bridge loans with up to 80% LTC, and rental properties can secure financing at 65-70% LTV. Overall, these hard money loans offer a comprehensive range of features, including competitive rates, swift closing times, and flexible financing options to support the diverse needs of real estate investors in various scenarios, from fix and flips to rental investments and new construction projects.

Does HardMoneyMan.com LLC require an appraisal to close?

Yes, HardMoneyMan.com LLC conducts appraisals using local appraisers to ensure accuracy and efficiency in the loan process. By offering various appraisal methods tailored to different needs, HardMoneyMan.com LLC aims to streamline the appraisal process and facilitate smoother loan transactions. We offer rush appraisal options with 72 hour turn around times.

Tampa Hard Money Lenders – Why Choose Us?

We're in the Business

We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit.

We're a Direct Lender

We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.

We're Fast and Efficient

We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re the most efficient hard money lender in Tampa.

We're Investor Focused

We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return.

Some of the cities that we lend in:

Tampa Hard Money Real Estate Market

Foreclosure Rates for Tampa FL

Investors who want to find deals from foreclosure properties can consider these statistics to understand the Tampa real estate market for pre-foreclosures, auctions, and bank-owned properties.

As one of the top hard money lenders in Tampa, we work with investors every day who are looking for foreclosure opportunitites.

Sale Prices in Tampa FL

Real estate sales in Tampa still support an active fix/flip market. You want to closely monitor your average days on the market because when you are flipping properties, this is the best indicator of how long it will take you to sell once the property is completed.

As one of the top hard money lenders in Tampa, we work with investors every day who are looking for flip/rehab opportunities in Tampa.

Tampa’s #1 Hard Money Lenders for Real Estate Investors