Tampa, FL · Ground-Up Construction Loans
Ground-Up Construction Loans in Tampa
Fund land, build, and long-term refi in one seamless loan.
Why Tampa investors choose 818
Tampa has become the #1 Florida investor market for DSCR and fix-and-flip — strong rent growth, no state income tax, and population inflow that hasn't slowed. Seminole Heights, Ybor, and West Tampa lead value-add opportunity.
Our edge here: Our Tampa DSCR program closes in 18 days. Insurance quotes built into the underwrite up-front so you don't get surprised at closing.
Ground-Up Construction Loans: Tampa terms
Term
12–24 month construction, converts to 30-year DSCR
Leverage
Up to 85% LTC, 70% LTV on completion
Credit minimum
680
Close time
30–45 days
Qualification
Pro-forma DSCR + sponsor build experience
Ideal for
Developers building 1–20 unit ground-up spec, BRRRR investors building instead of buying existing stock, and infill builders with approved permits.
Common questions — Tampa construction loans
Does 818 Capital offer construction loans in Tampa?
Yes. 818 Capital Partners arranges Ground-Up Construction Loans for investor properties throughout Tampa and the greater Hillsborough County market. Fund land, build, and long-term refi in one seamless loan.
What are typical construction loan terms in Tampa?
12–24 month construction, converts to 30-year DSCR. Up to 85% LTC, 70% LTV on completion. Minimum credit score 680. Typical close time: 30–45 days. Qualification: Pro-forma DSCR + sponsor build experience.
What Tampa neighborhoods do you lend in?
We actively finance construction loans across Seminole Heights, Ybor City, West Tampa, East Tampa, Riverview, and other submarkets of Hillsborough County.
How fast can 818 Capital close a construction loan in Tampa?
Our typical close time for a Ground-Up Construction Loans is 30–45 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Tampa
DSCR Rental Loans
30-year fixed. No personal DTI. Closes on property cash flow.
Fix & Flip Loans
Up to 90% LTC. 75% ARV. 12-month terms.
Short-Term Rental (STR) Loans
Underwritten on AirDNA revenue, not LTR shadow rents.
Multifamily Bridge & Permanent
5+ unit properties. Bridge, value-add, and long-term.
Bridge Loans
Fast, flexible capital for time-sensitive acquisitions.
Ground-Up Construction Loans in other markets
Ready to close your Tampa deal?
Submit a scenario. We\'ll come back with a real term sheet — not a teaser rate — within 24 hours.