Citrus Park, FL's Trusted Hard Money Lender for Real Estate Investors

Citrus Park has grown into one of Northwest Hillsborough County's steadiest suburban markets, anchored by the retail draw of Citrus Park Town Center and the commuter convenience of the Veterans Expressway corridor into downtown Tampa. Family-oriented buyers continue to target the area for its top-rated Hillsborough County schools, which keeps turnover and renovation demand consistent in neighborhoods like Hampton Park, even as new construction in neighboring Westchase and Northdale competes for the same buyer pool. Investors who can deliver an updated, move-in-ready home are finding receptive demand from both renters and resale buyers throughout the corridor.

Unitas Funding provides private capital for real estate investors throughout Citrus Park and Hillsborough County, Florida — fix-and-flip, new construction, bridge loans, and DSCR rental financing. With $4.5 billion deployed nationwide and direct lending capital, we bring institutional speed and certainty to every Citrus Park-area transaction: real pre-approvals in 24 hours and closings in as little as 10 business days.

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Fast, Reliable Capital for Your Next Citrus Park Deal

Citrus Park's market rewards investors who can move fast and close with certainty. Unitas Funding delivers rates from 8.99%, up to 92.5% loan-to-cost on qualified projects, and real pre-approvals — not meaningless pre-qualifications — in 24 hours. We evaluate deals on property fundamentals and your exit strategy in Citrus Park, not bureaucratic checklists.

Fix & Flip Loans

Fix & Flip Loans

Unitas Funding's fix-and-flip loans give Citrus Park investors up to 92.5% loan-to-cost on qualified renovation projects, with rates starting at 8.99% and interest-only terms of 12, 18, or 24 months. We fund the purchase price and the renovation budget together, with draws released in 24-48 hours so your Citrus Park project stays on schedule.

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New Construction Loans

New Construction Loans

For ground-up builds in Citrus Park and across Hillsborough County, our new construction loans cover land acquisition and vertical construction costs with the same 92.5% loan-to-cost and 24-48-hour draw turnaround as our renovation loans. Most projects require approximately 10 draws over the build timeline, and each one receives the same priority processing as your initial funding.

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Bridge Loans

Bridge Loans

When timing doesn't line up — between the sale of one Citrus Park property and the acquisition of another, or while arranging long-term financing — our bridge loans provide 6-to-12-month interim capital with the same 24-hour pre-approval and 10-business-day closing investors rely on for every other Unitas loan program.

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DSCR Loans

DSCR Loans for Rental Properties

Our DSCR rental loans qualify Citrus Park investors based on a property's projected rental income rather than personal income documentation. That makes it straightforward to scale a rental portfolio across Hillsborough County without W-2s, tax returns, or employment verification slowing down your next acquisition.

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What Makes Unitas Different in Citrus Park

  1. Institutional Resources
    With $4.5 billion in capital deployed nationwide, Unitas Funding lends directly — there's no broker chain and no committee delay between you and your capital. In Citrus Park, that means we can fund renovation, construction, and acquisition deals tied to Citrus Park Town Center and the Veterans Expressway corridor without the capital constraints that limit smaller private lenders.

  2. Underwriting for Property Fundamentals
    We underwrite the deal, not your tax returns. In Citrus Park, that means evaluating after-repair value, local rent and resale comparables, and your exit strategy — not chasing W-2s or personal debt-to-income ratios. Borrowers with a strong deal and a clear plan move through underwriting quickly, regardless of credit history.

  3. We Fund What We Approve
    When we issue a pre-approval on a Citrus Park property, that approval holds. There's no surprise committee reversal three days before closing — a critical advantage in a market shaped by top-rated Hillsborough County school zones.

  4. Speed That Matches Market Reality
    Closing in 10 business days gets you into the property fast, and draw requests process in 24-48 hours after inspection. Most Citrus Park projects require approximately 10 draws, and each one gets the same urgent turnaround as your initial funding — a meaningful edge in a market moving as fast as Citrus Park's.


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Get Pre-Approved in 24 Hours
Stop losing Citrus Park deals to investors with faster financing. Unitas delivers real pre-approvals in 24 hours — not meaningless pre-qualifications, but actual approvals that give you credibility when making offers on Citrus Park properties. Our focus is on property value and deal structure, not endless personal documentation.

Frequently Asked Questions

What types of investment properties do you finance in Citrus Park?

We finance business-purpose real estate throughout Citrus Park and Hillsborough County: single-family homes, multifamily properties, townhomes, and mixed-use residential buildings. We fund fix-and-flip projects, new construction, bridge loans, and DSCR rental property acquisitions. All loans must be made through business entities — we don't provide consumer mortgages or owner-occupied financing.

How quickly can you close on a Citrus Park investment property?

10 business days with complete documentation. We deliver pre-approvals in 24 hours, and final approvals typically occur within 3-5 business days depending on title clearance and property valuation. Compare that to 30-45 days minimum for traditional banks, and you'll understand why Citrus Park investors increasingly choose hard money lending over conventional financing.

What are your loan-to-cost ratios for Citrus Park fix-and-flip projects?

We offer loan-to-cost ratios up to 92.5% on qualified fix-and-flip projects in Citrus Park, covering both purchase price and renovation budget. Actual LTC depends on property type, location, your experience level, and project scope. We underwrite based on after-repair value and your exit strategy, with rates starting at 8.99% and terms customized to your project timeline.

Do you require personal income verification for DSCR loans in Citrus Park?

No. Our DSCR loans in Citrus Park qualify based on the rental property's income potential, not your personal W-2s, tax returns, or employment history. We evaluate whether projected rent covers debt service, which makes portfolio building straightforward for Citrus Park investors.

What areas of Citrus Park do you serve?

We lend throughout Citrus Park, including Hampton Park, the Citrus Park Town Center district, and Northwest Hillsborough, as well as the broader Hillsborough County market. Wherever the deal makes sense within Florida, our team can structure financing around it.

 

Ready to Fund Your Next Citrus Park Real Estate Investment?

Unitas Funding has funded 30+ deals for real estate investors across Citrus Park and the broader Hillsborough County. Whether you're renovating a property near Hampton Park, building new construction near the Citrus Park Town Center district, or acquiring a DSCR rental in Citrus Park, our team delivers institutional capital with direct-lender speed: rates from 8.99%, up to 92.5% LTC, pre-approvals in 24 hours, and closings in 10 business days. Apply today and put $4.5 billion in deployed capital behind your next Citrus Park investment.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.