Tampa · Florida
Need financing for a Tampa property? Submit your deal and our hard money specialists will explore loan options with you. Your initial inquiry is free, with no obligation.
Tell us what you need to borrow and your plans for the property.
Share a Tampa or regional property with Hard Money Specialists and explore financing suited to your plans.
Use the form on this page to share the property, amount needed, timeline and what you want to achieve. Include anything that might complicate the deal.
A specialist reviews the details and discusses the financing routes that may suit the property and your circumstances.
The lender assesses the deal. Compare the written terms, fees, draw conditions, repayment date and any extension provisions.
Valuation, title, documentation and any other conditions must be satisfied before funding. Confirm the actual closing requirements rather than assuming a date.
Why Hard Money Specialists
Hard Money Specialists is a national specialist finance brand that understands the Tampa Bay market. We help Tampa area investors talk through their deals with a hard money specialist.
Your Tampa inquiry is reviewed by a person who knows Tampa Bay, from the city to the coast. You hear back from a specialist, not an autoresponder.
Financing is arranged through a small, vetted group of hard money lenders active across the Tampa Bay area.
Talking through your Tampa deal with us costs nothing. You decide whether any financing proposal is right for you.
A house that needs major repairs, a rental purchase with a tight deadline or an infill lot with a build plan may not suit a conventional mortgage. Hard money financing can be an option when the property and a credible repayment plan support a shorter-term loan.
Hard Money Specialists helps you talk through your deal with a hard money specialist. Tell us what you are trying to do, not just how much you want to borrow. The address, work needed, available cash or equity and intended exit all help make that conversation useful.
Tampa is not one uniform market. A renovation in an older neighborhood like Seminole Heights or West Tampa needs different comparables and a different scope from a newer home in Wesley Chapel or a rental in Brandon. Start with the actual property rather than a citywide price assumption.
Read the hard money loans guide
The right structure depends on the property and what comes next. These are some of the situations you can discuss with a specialist.
Purchase and renovation financing for a resale project. An older Tampa bungalow or block home may need roofing, electrical or plumbing work along with a new kitchen and baths. Bring a scope that accounts for both, with comparable sales supporting the finished value.
Explore this financingExplore financing for a single-family rental or small multifamily property. If the plan involves a refinance after repairs, check realistic rent, insurance, ongoing expenses and the future lender's requirements before committing.
Explore this financingShort-term funding may help when a purchase, sale or refinance does not line up. Explain what event will repay the loan, what evidence supports it and what happens if that event takes longer than expected.
Explore this financingFor an infill lot or a ground-up build, plans, permits, utility connections and contractor costs all shape whether a construction facility is suitable. Storm-related building requirements and insurance belong in the budget from the start.
Explore this financingA small commercial building, land purchase or time-sensitive debt problem needs its own assessment. Share the property's use, any existing debt and the practical plan for repayment rather than trying to fit it into a standard home-loan application.
Explore this financingA good financing plan starts with a workable property plan. A few Tampa-specific checks can uncover costs or delays before they become a problem.
In coastal Florida, insurance can make or break a deal. Get quotes for the exact address early, including wind and flood coverage where required, and understand the deductibles. A property that cannot be insured at a workable cost may not be financeable at all.
Much of Tampa's central housing was built decades ago, so look past cosmetics. Have qualified inspectors assess the roof, electrical service, plumbing and HVAC, and check for storm or water damage. Replacement costs and contractor availability belong in the budget.
Confirm whether the parcel is within Tampa or a neighboring city such as St. Petersburg, Clearwater or Temple Terrace. Additions and changes of use may need permits and plan review. Check the permit history on existing work as well as the changes you plan to make.
Use recent sales of similar homes nearby, accounting for condition, size, lot and finish level. For a rental, include maintenance, insurance, taxes and any HOA restrictions in the plan. Test what happens if the sale takes longer or the refinance valuation comes in lower.
Interest and points are only part of a project's budget. Allow for closing costs, any broker fee, inspections, insurance, taxes, utilities and a repair contingency. Ask how renovation draws work and whether you must pay for completed work before reimbursement.
Compare the amount of cash needed at closing with what you need to keep the project moving afterward. A loan that funds the purchase but leaves no room for repairs or a delay may not solve the problem.
Run the numbers for your Tampa dealSend us the exact address whether the property is in central Tampa, the suburbs or a nearby city. St. Petersburg, Clearwater, Brandon, Riverview and Wesley Chapel have their own neighborhoods, permitting requirements and property considerations. Financing availability is assessed for the individual address and project.
Share the case details and sale date right away, together with the debt outstanding, equity position and repayment plan. A financing inquiry does not pause a foreclosure. Speak with a qualified Florida attorney about deadlines and legal options while any financing review is underway.
Read about foreclosure bailout optionsFlorida is a judicial foreclosure state. Loans are secured by a mortgage, and a lender generally has to go through the court system before a property can be sold, so the process usually takes longer than in non-judicial states.
For buyers, that can mean distressed properties come to market more slowly and with more paperwork attached. For owners behind on payments, the court process can create a window to arrange a refinance or sale, though that window varies from case to case.
Florida also has broad homestead protections and specific insurance requirements, including flood and wind coverage in many areas. Lenders will usually look closely at insurance costs and title history before closing.
General information only, not legal advice. Rules change and every property is different.