Tampa, FL · Short-Term Rental (STR) Loans
Short-Term Rental (STR) Loans in Tampa
Get the DSCR math you actually have — based on real short-term rental revenue.
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.
Short-Term Rental (STR) Loans: Tampa terms
Term
30-year fixed, 10-year I/O, 5/1 ARM
Leverage
Up to 75% LTV purchase
Credit minimum
680
Close time
25–35 days
Qualification
STR DSCR ≥ 1.0 on AirDNA or verified operating history
Ideal for
STR investors tired of lenders using LTR rent comps that kill the deal, Airbnb hosts buying their 2nd–10th property, investors in regulated STR markets (Nashville, Austin, Orlando) who need a lender that understands the rule set.
Common questions — Tampa STR loans
Does 818 Capital offer STR loans in Tampa?
Yes. 818 Capital Partners arranges Short-Term Rental (STR) Loans for investor properties throughout Tampa and the greater Hillsborough County market. Get the DSCR math you actually have — based on real short-term rental revenue.
What are typical STR loan terms in Tampa?
30-year fixed, 10-year I/O, 5/1 ARM. Up to 75% LTV purchase. Minimum credit score 680. Typical close time: 25–35 days. Qualification: STR DSCR ≥ 1.0 on AirDNA or verified operating history.
What Tampa neighborhoods do you lend in?
We actively finance STR loans across Seminole Heights, Ybor City, West Tampa, East Tampa, Riverview, and other submarkets of Hillsborough County.
How fast can 818 Capital close a STR loan in Tampa?
Our typical close time for a Short-Term Rental (STR) Loans is 25–35 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.
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.
Short-Term Rental (STR) 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.