Tampa Hard Money lenders
Deal with Direct Lenders
At AFI Private Lenders, we provide fast and flexible private lending solutions for real estate investors across Tampa and the greater Hillsborough County area. Whether you're flipping a bungalow in Seminole Heights, developing new construction in Riverview, or refinancing a rental in South Tampa, our hard money loans are designed to help you move quickly and close with confidence.
We specialize in fix and flip loans, bridge financing, new construction funding, and DSCR loans—all tailored to Tampa’s active and competitive real estate market. Our loan approvals are based on the property itself, not your tax returns or W-2s, so you can focus on the deal—not the paperwork.
Your Trusted Tampa Hard Money Lender
We’re a Florida-based direct lender with deep experience in the Tampa Bay real estate scene, serving investors throughout Tampa, Brandon, Riverview, Ybor City, Carrollwood, and Westchase. With local expertise, in-house decision-making, and no red tape, we help investors close fast and scale their portfolios in one of the hottest real estate markets in the Southeast.
What Type of Loan Programs Do You Offer in Tampa, FL?
At AFI Private Lenders, we offer a range of flexible loan options designed to meet the diverse needs of real estate investors in Tampa:
Fix and Flip Loans
Short-term financing to purchase, renovate, and resell residential properties.
Bridge Loans
Fast gap funding for transitional properties or auction purchases.
New Construction Loans
Ground-up financing for single-family, townhome, or multifamily projects.
Cash-Out Refinance
Leverage equity from your existing properties.
DSCR Loans
Long-term rental financing based on the property’s income, not your personal financials.
Commercial Property Loans
Private capital for office, retail, or mixed-use investments.
Why Invest in Tampa FL?
Tampa is one of Florida’s fastest-growing metros, with a booming job market, expanding infrastructure, and a strong mix of urban and suburban neighborhoods. Its growing population, low taxes, and business-friendly climate make it a magnet for both renters and buyers—offering consistent deal flow and strong appreciation potential for real estate investors.
In a market this active, hard money lending is a strategic tool—giving investors the ability to move faster than traditional buyers, compete with cash offers, and fund projects that banks won’t touch. Whether you’re flipping a house, building new, or refinancing to expand your portfolio, private capital gives you the edge in Tampa.
Tampa’s economy is thriving, driven by diverse industries such as healthcare, technology, finance, and logistics. The presence of major employers and a growing startup ecosystem has created a robust job market, attracting professionals from across the country. This influx of talent fuels demand for housing, making Tampa a hotspot for both residential and commercial real estate investment. One of Tampa’s standout advantages is its strategic location on Florida’s Gulf Coast, anchored by Port Tampa Bay, one of the largest ports in the state.
This geographic positioning enhances its role in trade, distribution, and tourism, while also supporting a strong short-term rental market. Investors benefit from steady tourism traffic and seasonal demand, especially in neighborhoods near the waterfront and downtown. The city also boasts high population growth, with tens of thousands of new residents arriving annually. Many are relocating from high-cost states like New York and California, drawn by Tampa’s lower cost of living, no state income tax, and year-round sunshine. This demographic shift has led to rising property values and rental rates, offering investors strong cash flow potential and long-term appreciation.
We can customize your private money loan in Tampa, FL
At AFI Private Lenders, we’re dedicated to supporting your real estate goals with flexible financing options. Our typical loan offerings span from $100,000 to $7,000,000, accommodating a wide spectrum of project sizes. Should your funding needs fall outside this range, our team is ready to work with you to craft a personalized solution that aligns with your unique objectives.
Current Real Estate Trends in Tampa
Tampa continues to experience strong population growth and investor interest, driven by out-of-state migration, corporate relocation, and an active rental market. Areas like Seminole Heights and Ybor City are seeing a surge in historic home renovations and Airbnb-style short-term rentals. Suburbs like Riverview, Brandon, and Wesley Chapel are booming with new construction and strong rental demand. Meanwhile, multifamily properties—especially duplexes and quads—are in high demand from long-term rental investors seeking cash flow and appreciation. With limited inventory and rising prices, hard money loans help investors move quickly and secure deals before the competition.
Let's Fund Your Next Tampa Deal
At AFI Private Lenders, we’re here to help you close faster and build smarter in Tampa. Whether you're flipping, building, or expanding your rental portfolio, our hard money loans provide the speed, flexibility, and local expertise to make your next investment a success. Contact us today to get pre-approved and secure fast funding for your Tampa real estate project.