Tampa–St. Petersburg–Clearwater · Direct lender
Investment property loans in Tampa, FL
CR Equity AI funds DSCR, bridge and fix-and-flip loans for real estate investors in Tampa, FL and across Hillsborough, Pinellas and Pasco counties. We finance single-family, 2–4 unit, multifamily, mixed-use and commercial properties, with fix-and-flip funding in 24–48 hours and purchase closings in 9–15 days.
- Coverage
- 48 states
- Terms
- 5 minutes
- Fastest fund
- 24-48 hours
- Loan range
- $75K-$100M
Direct lender. We lend our own capital.
Tampa Bay combines long-term rental demand with a strong short-term rental market near the Gulf beaches. DSCR financing works for both, and insurance and HOA costs are a bigger part of the debt-coverage math here than in most metros, so underwriting them correctly up front matters.
Most of what we finance in the Tampa–St. Petersburg–Clearwater metro: Long- and short-term rentals, coastal 2–4 units and mixed-use buildings along the urban corridors.
Same national programs apply in Tampa: DSCR for rentals, bridge for speed-sensitive acquisitions and lease-up, and fix and flip with rehab draws. Soft credit pull to see terms. Business-purpose only — not owner-occupied homes.
What we lend in Tampa
Same programs as the rest of the site. These pages are the local door — not a second set of terms.
How Tampa deals usually show up
DSCR rentals in Tampa
Long-term or short-term rentals that qualify on the property's rent, not personal tax returns. Common across Seminole Heights, Ybor City and Brandon.
Short-term rentals in Tampa
DSCR financing that can use projected or historical STR income when local permits and HOA rules allow.
Business-purpose CRE in Tampa
Acquisition, refinance, and value-add on investment property — not owner-occupied homes.
Where we lend in Tampa–St. Petersburg–Clearwater
Counties
- Hillsborough
- Pinellas
- Pasco
Cities and neighborhoods
- Seminole Heights
- Ybor City
- Brandon
- St. Petersburg
- Clearwater
- Riverview
- Wesley Chapel
Local market
Tampa questions
Soft credit pull only — no hit to your score to get terms Business-purpose lending in 48 states. Typical close 9-15 days.
Yes. CR Equity AI funds DSCR, bridge and fix-and-flip loans for investment properties across Hillsborough, Pinellas and Pasco counties, including Seminole Heights, Ybor City, Brandon and St. Petersburg. Loans are for business-purpose real estate: single-family, 2–4 unit, multifamily, mixed-use and commercial.
Fix-and-flip loans can fund in 24–48 hours once the file is complete, and purchase loans typically close in 9–15 days. Timing depends on title, appraisal or valuation, and how quickly documents come in.
Yes. A DSCR loan qualifies on the property's rental income compared with its monthly debt payment, so personal tax returns and W-2s are not used to qualify. Credit, reserves and the property itself are still reviewed.
Single-family rentals and flips, 2–4 unit properties, apartment buildings with five or more units, mixed-use buildings and small-balance commercial properties. Owner-occupied homes are not eligible because these are business-purpose loans.
Yes. CR Equity AI uses a soft credit pull only to price a deal, so checking terms does not hit your score. A hard pull happens later, only after you accept terms and move toward closing.
Yes. Short-term rentals in the Tampa area can qualify using projected or historical short-term rental income. Confirm local permit and HOA rules before you go under contract, because the income must be legally earnable.