Asset-based financing for Tampa real estate investors. Fix and flip from $50,000, DSCR rental loans to $2 million, and closings measured in days rather than weeks. Dominion Hard Money is a private money brokerage — we place your deal with the lender whose terms actually fit it.
Tampa ranks fourth in the nation for job growth since the Great Recession — 23.5%, ahead of Orlando's 21.8% — and the metro added more than forty thousand jobs in 2024 alone. That is the demand side. The supply side is what makes it interesting to an investor right now.
Mortgage rates in the 6.25% to 6.75% range have kept a lot of would-be buyers renting, so single-family rents are holding at a median around $2,600 a month across Hillsborough and Pinellas, up 4% year on year. Meanwhile roughly 7,559 new apartment units are landing in 2026, expanding metro inventory by about 4.5%. Apartments are absorbing that supply. Single-family houses are not competing with it.
For anyone buying, rehabbing and either selling or holding a house, that is a favourable split: soft apartment market, resilient single-family rents, and homes sitting on the market around 67 days rather than going in a weekend.
Published terms from our lending partners, so you can price a deal before you call anybody.
Leverage moves with documented experience over the past three years. The best pricing goes to borrowers who have paid off deals in good standing. Every loan is business purpose, non-owner-occupied, and written to an entity rather than a person — if you do not have an LLC yet, that is fixable before closing and we will tell you how.
The metro median sits somewhere between about $364,000 and $405,000 depending on which submarket and which source you use, against a national median near $387,000. But the metro median is close to useless for a flipper, because the spread inside Tampa Bay is enormous.
| Area | Median | What it is |
|---|---|---|
| East Tampa & Sulphur Springs | $200–300k | The genuine entry point inside the city. Where a lot of the flip volume sits. |
| Ybor City | $285k | Older stock, walkable, strong rental demand. Rehab budgets still buy real margin here. |
| Polk County (Lakeland) | $312k | Cheapest way into the wider Bay. Crossroads between two employment centres. |
| Pasco County | $345k | Wesley Chapel, Zephyrhills, New Port Richey. Best cash-on-cash in the metro at 6.3–6.9% gross yields. |
| Temple Terrace | $360k | USF renter pool underneath it. Steady rather than spectacular. |
| Riverview & Brandon | $350–420k | Families priced out of South Tampa. New construction available if you would rather skip a rehab. |
| Hillsborough County | $408k | The county-wide figure. Useful as a benchmark, not as a target. |
Hillsborough County as a whole sits around $408,000. Polk County, taking in Lakeland, is nearer $312,000 and is the cheapest way into the wider Bay area. South Tampa is beautiful and the returns are thin — entry costs are high and cash-on-cash is lower than the emerging areas.
Condominiums. Changes to Florida's condo inspection laws have driven up association fees and pushed through special assessments across a lot of buildings, and associations can restrict renting outright. A condo that pencils on paper can stop pencilling the moment an assessment lands.
Single-family is generally the safer structure for investment in Tampa Bay right now, and it is what most of our Tampa deals are secured against. If you are looking at a condo, get the association's financials and reserve study before you get to a loan application, not after.
You buy it, you rehab it, you sell it. Interest only, six to twelve months, structured so you are not paying interest on rehab money you have not drawn yet. This is most of what we place in Tampa, and East Tampa, Ybor and Seminole Heights are where most of it lands.
The same structure viewed from the construction side — purchase plus a rehab budget, released in draws as work is inspected and completed. What matters here is your scope of work being real. An optimistic rehab number is the single commonest reason a good deal gets declined.
Short-term capital while longer-term financing is arranged. Useful when you need to close on a Tampa property quickly and refinance into something conventional afterwards, or when you are selling one property to fund another and the timing does not line up.
For keepers rather than flippers. Qualified on what the property earns, not on your tax returns, which matters if you are self-employed or already carry several mortgages. With Tampa single-family rents at a $2,600 median and holding, the coverage maths works on a lot of Bay-area houses.
Worth knowing before you spend money on an application. Most declines are one of these, and most are avoidable.
Tell us the numbers honestly and we will tell you plainly whether it works. We would rather say no in one conversation than string you along through an application.
Days rather than the thirty to forty-five a conventional lender needs, assuming clean title and a property that appraises. The delays are almost always title or an incomplete scope of work, not the money.
Minimum 600 for fix-and-flip and bridge, 650 for construction. DSCR rental loans have no minimum FICO because they are qualified on the property's income instead.
$50,000 for fix-and-flip and bridge. $75,000 for DSCR rental. That rules out the cheapest end of East Tampa, but most rehab deals in the Bay clear it comfortably.
No, but it changes your leverage. Terms improve with documented deals completed in the past three years, and the best pricing goes to borrowers who have paid off previous loans in good standing.
No. These are business-purpose loans written to an entity. Setting up an LLC is straightforward and can be done before closing.
The same thing in practice. Both mean asset-based lending — the deal is underwritten on the property rather than on your tax returns. Dominion Hard Money is a brokerage: we place your deal with the lender whose terms fit it.
Answer these and we will tell you whether it is fundable, on what terms, and how fast it could close. Investment property only — we do not place loans on a home you will live in.
We will run the numbers and come back to you. If it is time-sensitive, call 903-636-7511.
Dominion Hard Money arranges private and asset-based real estate financing for business purposes only. Not a commitment to lend. All loans subject to underwriting, property review, and approval. Terms vary by property, borrower experience, and exit strategy.