Capituro
Contact
Tampa and St. Petersburg investor financing

Tampa and St. Petersburg Investment
Property Loans.

Tampa Bay investors get financing matched to Gulf Coast rentals, intown duplexes, and small apartments, with flood insurance and hurricane exposure priced into the first review.

Talk through a property
Local context

How Tampa and St. Petersburg deals
actually look

Hillsborough and Pinellas County mix suburban build-to-rent subdivisions, older duplex stock near downtown Tampa and St. Pete, and small garden apartments along major corridors. A lender treating Tampa like inland Atlanta will miss flood zones, coastal wind premiums, and the four-to-five unit cliff that shows up on every other block in Seminole Heights or Kenwood.

Capituro routes Tampa Bay deals by unit count and property type: residential DSCR on stabilized 1 to 4 unit rentals, 5 to 10 Unit DSCR on smaller apartments, 10+ Unit DSCR on larger multifamily refinances, Commercial DSCR on retail and office, bridge when occupancy or renovation still defines the story, and new construction on eligible infill and build-to-rent projects.

See all Florida investor financing for statewide program overview.

Property stock

What investors own here

Suburban single-family rentals

Brandon, Riverview, Wesley Chapel, and north Hillsborough hold large stocks of 1990s to 2010s rentals and HOA subdivisions. Typical purchases span roughly $250K to $450K. DSCR minimums start at $250K on residential. Insurance is usually lower than coastal Pinellas but still needs a Florida quote.

Intown duplex and fourplex

Seminole Heights, Hyde Park edges, Kenwood, and Old Northeast St. Pete contain 1920s to 1960s duplex and fourplex stock. Value-add investors often stabilize and refinance on 1 to 4 Unit DSCR. Five units moves to small multifamily programs.

Small apartments and corridor commercial

Six to fifteen unit buildings appear along Nebraska Avenue, 4th Street North, and older suburban strips. Unit count determines whether you are on 5 to 10 Unit DSCR or 10+ Unit DSCR. Neighborhood retail and flex along Dale Mabry and US-19 fits Commercial DSCR.

Programs that fit

Common Tampa and St. Petersburg loan lanes

Flagship

Cash out refinance

Equity pull on stabilized rentals, apartments, and commercial income property when the ratio and value support the request.

Program details
1 to 4 Units

1 to 4 Unit DSCR

Suburban rentals, intown duplexes, and stabilized fourplexes across Tampa Bay.

Program details
5 to 10 Units

5 to 10 Unit DSCR

Garden-style and walk-up apartments when legal count is five to ten.

Program details
10+ Units

10+ Unit DSCR

Stabilized 11+ unit apartments. Refinance and cash out driven by NOI and DSCR, not residential DSCR rules.

Program details
Commercial

Commercial DSCR

Commercial DSCR for retail, office, warehouse, daycare, self storage, mixed use, automotive, light industrial, and assisted living property. Purchase, rate-and-term refinance, and cash out when leases and NOI support the request.

Program details
Speed

Bridge

Lease-up and light renovation on multifamily and small commercial transitions.

Program details
Build

New construction

Eligible build-to-rent and infill residential with plans and experienced builder in place.

Program details
Local complications

What slows deals here

Flood zones in Pinellas and coastal Hillsborough

St. Pete waterfront, Gulfport, South Tampa, and low-lying parcels near the bay need flood determinations and often separate flood policies. DSCR built without flood premium usually misstates cash flow.

Hurricane insurance renewals

Annual wind premium swings can change refinance math on deals that looked fine twelve months ago. Send the renewal quote when the declaration page is stale.

HOA rental caps in new subdivisions

Master-planned communities in Pasco and south Hillsborough sometimes cap investor ownership, which affects resale and long-term refinance options.

Further reading

Articles for Tampa and St. Petersburg deals

Frequently asked

Can I refinance a seven unit building in Tampa?+
Yes on 5 to 10 Unit DSCR when the property is stabilized. Send rent roll and trailing twelve-month operating statement for the first review.
Does Capituro finance St. Petersburg short-term rentals?+
Short-term rental income can work on some DSCR programs when you provide operating history or approved market rent support. City registration and association rules still need to allow the use.
Does Capituro finance commercial property in Tampa and St. Petersburg?+
Yes. Capituro reviews Commercial DSCR on eligible retail, office, warehouse, daycare, self storage, mixed use, automotive, light industrial, and assisted living property in Tampa and St. Petersburg, Florida. Purchase, rate-and-term refinance, and cash-out are available when leases, occupancy, and NOI support the request. Typical loan size is $200K to $5M+, with max LTV usually 70% on most commercial types or 75% on mixed use and multifamily.
Can I cash out refinance a multifamily building in Tampa and St. Petersburg?+
Yes. Five to ten unit properties often fit small multifamily DSCR. Eleven unit and larger stabilized apartments usually route to 10+ Unit DSCR. Capituro reviews cash-out refinance in Tampa and St. Petersburg when the rent roll, NOI, and leverage support the request.
Does Capituro do Florida commercial DSCR cash-out, or only residential DSCR?+
Both. Capituro helps investors close residential DSCR, small multifamily, larger apartment refinances, and commercial DSCR cash-out in Florida. Office, retail, warehouse, self storage, mixed use, and other income property are reviewed on commercial lanes, not residential DSCR.