Real Estate Investor & Commercial Real Estate Loans in Tampa, FL

Fix-and-Flip Loans

Tampa Bay has a consistent fix-and-flip market driven by a large inventory of older housing stock in established neighborhoods — Hyde Park, Seminole Heights, Ybor City, South Tampa, and across Hillsborough County — and steady buyer demand for renovated product at accessible price points. Aberdeen structures fix-and-flip loans based on the after-repair value (ARV) of the completed property, covering acquisition and a portion of renovation costs. We evaluate each deal on the spread between acquisition cost and ARV, the renovation scope, and the exit timeline. Closings structured around your schedule, not a bank committee's.

Bridge Loans

Tampa Bay's active real estate market creates frequent bridge loan scenarios — acquiring a property before permanent financing is arranged, stabilizing an asset before refinancing, covering the window between construction completion and DSCR qualification, or bridging a maturing loan while longer-term financing is negotiated. Aberdeen structures bridge loans sized correctly for the exit timeline and priced transparently so you can model the carry cost before committing.

Ground-Up Construction Loans

Tampa Bay's population growth has created sustained demand for new residential and commercial construction across the metro — particularly in Hillsborough County's growth corridors, Pasco County's rapidly developing northern suburbs, and Pinellas County's infill markets. Aberdeen provides construction loans for single-family builds, small multifamily development, and commercial ground-up projects throughout the Tampa Bay area. Draw structures tied to verified construction milestones keep projects funded without releasing capital ahead of documented progress.

DSCR Rental Property Loans

Tampa Bay's rental market is among the strongest in Florida. Long-term rental demand is driven by population inflow, a large healthcare and financial services workforce, and university communities anchored by USF and UT. Short-term rental demand — particularly in St. Petersburg, Clearwater Beach, and Tampa's urban neighborhoods — creates strong DSCR loan opportunities for investors building vacation rental and short-term rental portfolios.

DSCR loans qualify on the property's rental income rather than the borrower's personal income. No W-2s, no personal tax returns, no debt-to-income analysis based on personal finances. This makes DSCR loans the preferred vehicle for Tampa Bay's large population of self-employed investors, business owners, and portfolio landlords who have outgrown conventional loan programs. Aberdeen structures DSCR loans for long-term rentals, short-term rentals with documented income, and portfolio blanket facilities across multiple Tampa Bay properties.

Commercial Real Estate Loans

Tampa Bay's commercial real estate market spans retail, office, industrial, multifamily of five or more units, mixed-use, hospitality, marine-related commercial, and self-storage. Aberdeen works with commercial buyers, investors, and developers on acquisition financing, bridge-to-permanent transitions, value-add repositioning capital, and construction financing throughout the metro. We match commercial real estate deals to lenders in our network who actively finance that specific asset class — producing better terms and faster decisions than applying to lenders for whom commercial real estate is secondary.