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.

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The Leading Hard Money Lenders making Investment Property loans in Tampa since 1998.

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The Leader in Hard Money Loans in Tampa

Submitting your application package is quick and easy.

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.

    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.

    Below are our Tampa Hard Money Loan Programs

    Tampa Fix and Flip Loans

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    Tampa Construction Loans

    Tampa Rental Loans

    Tampa Multi Family Loans

    Hard Money Lenders Tampa Florida FAQ’s

    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
    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.
    Yes, if the property is less than 50% commercial in square footage, with the balance being residential.
    Yes we do for 1-4 unit residential rental properties.
    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.
    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.
    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.
    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.
    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.
    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.
    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?

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    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. 

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    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.

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    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.

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    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. 

    Shaun Dozier
    Shaun Dozier
    2022-10-27
    My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
    Demetri Williams
    Demetri Williams
    2021-04-09
    This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
    Dario Olivere
    Dario Olivere
    2021-01-05
    I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
    Tom Tinsey
    Tom Tinsey
    2021-01-05
    This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
    Brandi Pernell
    Brandi Pernell
    2021-01-05
    The experience my husband’s and my company (Kingdom Realty, LLC) had with HardMoneyMan.com, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with HardMoneyMan.com LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
    Christian Rodriguez
    Christian Rodriguez
    2020-10-22
    I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
    Christina McCann
    Christina McCann
    2020-03-03
    Great company great experience
    Joe Matthews
    Joe Matthews
    2020-01-09
    Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

    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.

    Get Approved For A Hard Money Loan in Tampa

    Simple and Fast Application Process