Tampa, FL · DSCR Rental Loans
DSCR Rental Loans in Tampa
Qualify your rental on the property, not your tax returns. Close in 21 days.
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.
DSCR Rental Loans: Tampa terms
Term
30-year fixed, 5/1 and 7/1 ARM, interest-only available
Leverage
Up to 80% LTV purchase, 75% LTV refi
Credit minimum
660 (best pricing at 720+)
Close time
21–30 days
Qualification
Property DSCR ≥ 1.0 (some programs allow 0.75)
Ideal for
Buy-and-hold investors, self-employed borrowers whose tax returns hide income, LLCs holding multiple rentals, 1031 exchange buyers who need speed, and investors building a portfolio beyond the 10-loan Fannie cap.
Common questions — Tampa DSCR loans
Does 818 Capital offer DSCR loans in Tampa?
Yes. 818 Capital Partners arranges DSCR Rental Loans for investor properties throughout Tampa and the greater Hillsborough County market. Qualify your rental on the property, not your tax returns. Close in 21 days.
What are typical DSCR loan terms in Tampa?
30-year fixed, 5/1 and 7/1 ARM, interest-only available. Up to 80% LTV purchase, 75% LTV refi. Minimum credit score 660 (best pricing at 720+). Typical close time: 21–30 days. Qualification: Property DSCR ≥ 1.0 (some programs allow 0.75).
What Tampa neighborhoods do you lend in?
We actively finance DSCR loans across Seminole Heights, Ybor City, West Tampa, East Tampa, Riverview, and other submarkets of Hillsborough County.
How fast can 818 Capital close a DSCR loan in Tampa?
Our typical close time for a DSCR Rental Loans is 21–30 days. On urgent deals we've closed faster — ask for a same-day term sheet.
Other loan programs in Tampa
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
Fund the build. Refinance into a DSCR on stabilization.
DSCR Rental 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.