Tampa's Trusted Hard Money Lender for Real Estate Investors

Investors move fast and your funding should too. If you’re flipping, building, bridging, or holding rentals, our Tampa hard money lenders provide clear terms, quick approvals, and flexible structures that fit your plan. Expect reliable capital, efficient underwriting, and predictable draws so you close on time and keep projects on track.

As private hard money lenders serving Tampa’s real estate investors, we fund fix-and-flip loans, new construction loans, bridge loans, and DSCR loans for rental properties. We combine direct capital with disciplined underwriting to keep timelines tight and terms straightforward. You get a lender aligned to your exit.

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Fast, Reliable Capital for Your Next Real Estate Deal

Unitas Funding specializes in private loans for Tampa real estate investors. We operate with institutional backing, built for real estate investors who value speed and certainty. Choose the program that matches your deal. We offer fix & flip, ground up, bridge, and DSCR rental loans. Up to $2.5M, competitive leverage, and a defined draw process keep your acquisition, rehab, or refinance moving without surprises.

Fix & Flip Loans

Fix & Flip Loans

Make offers with confidence. Our fix & flip loans cover acquisition + renovations with fast funding and leverage designed to preserve cash. Up to 92.5% LTC and up to 75% ARV-LTV (after repair value), 12–24 month terms, and a clear inspection-based draw schedule. Execute quick resales or BRRRR (buying, rehabbing, renting, refinancing, and repeating) exits with numbers you can bank on and a team that responds quickly.

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New Construction Loans

New Construction Loans

Power your build with private construction loans for ground up construction and spec homes. We fund land, verticals, and soft costs with up to 85% LTC and up to 75% ARV-LTV, plus a staged draw process tied to milestones and inspections. Get clear budgets, predictable timelines, and a lender that understands scope, timeline, and release schedules.

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Bridge Loans

Bridge Loans

Bridge loans solve timing gaps when opportunity won’t wait. Use gap financing to secure an off-market property, win an auction, or refinance out of a maturing note while you stabilize, lease, or complete light renovations. Up to 80% LTC and up to 75% ARV-LTV, 12 month terms, transparent capital, and a straightforward path to permanent financing or DSCR takeout.

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DSCR Loans

DSCR Loans for Rental Properties

Scale your rental portfolio with DSCR loans focused on property cash flow instead of personal income. This asset-based financing supports long-term holds, STRs, and MTRs across Tampa submarkets. Up to 75% LTC and up to 80% ARV-LTV, clear DSCR thresholds, and rate/term options that fit your rental strategy so you close with confidence and keep liquidity for reserves.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Institutional capital meets direct lending. Our Tampa hard money lenders issue clear terms, outline draws, and close on schedule. You get disciplined underwriting, responsive communication, and programs built around your scope and exit.

  2. More Ways to Say ‘Yes’ to Your Deal.
    With fix & flip, new construction, bridge, and DSCR loans, we tailor leverage, terms, and draws to your experience and timeline. This helps you move from acquisition to rehab to refinance without friction and with numbers that match your plan.

  3. Certainty From a Direct Lender.
    We lend our own capital, set expectations upfront, and keep the process tight. Send the address, scope, budget, timeline, then underwriting, terms, and closing. No marketplace delays. We offer clear steps and predictable draws.

  4. Faster Funding, Faster Draws.
    Timing is everything when you need to move on a real estate opportunity. Our streamlined loans can close in as little as 10 days, and we deliver construction draws on schedule. With faster funding and a responsive team of professionals, we keep your real estate projects on track and profitable.

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Get Pre-Approved in 24 Hours!
Apply today and secure funding for your next investment property in Tampa.

Frequently Asked Questions

What documentation do I need to apply for an investment property loan?

You must apply through a business entity (LLC or corp), not as an individual. Provide a credit report, background check, purchase and sale agreement, EIN letter, certificate of good standing, bank statements, and government-issued ID. We'll review your submission and provide proposed terms within one business day.

How fast can you close?

We close in as few as 10 days. Preapprovals and term sheets can often be issued within the same day. Final approvals depend on obtaining clear title and property valuation, with our hybrid property valuations taking as few as 3-5 business days.

What are your typical leverage ranges and terms?

Program ranges: Fix & flip up to 92.5% LTC. New construction up to 85% LTC. Bridge up to 80% LTC. DSCR up to 75% LTC. ARV-LTV up to 75–80% by program. Loan amounts up to $2.5M. Terms generally 12–24 months (bridge is 12 months).

Do you require income verification for investment loans?

No. Our loans are based on your down payments, credit history, and various forms of liquidity verification, not personal income documentation. This makes qualification faster for investors with multiple properties or complex income structures.

Do you work with first-time investors?

Yes. We evaluate experience and structure the loan accordingly. Newer investors can qualify with a clear scope, budget, comps, and a sensible exit. We’ll outline exactly what we need to proceed.

Ready to Fund Your Next Tampa Real Estate Investment?

Let’s get your deal moving with clear numbers and a fast process. We’ll review your address, scope, and budget and return proposed terms quickly so you can secure the property and stay on schedule. Contact our Tampa hard money lenders today to get started!

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