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Hard Money Loans in Pinellas County

We are a direct lender based in Coral Gables, lending on residential investment property across Pinellas County — St. Petersburg, Clearwater and Largo.

Cities we lend in

Lending in Pinellas County

We lend on residential investment property anywhere in Florida from our office in Coral Gables, and a Pinellas deal closes the same way as one in Miami: first lien, $100,000 to $3,500,000, up to 75% of value, underwritten on the property rather than the borrower's tax returns. Purchase, refinance, fix and flip, buy and hold, and small multifamily.

Florida's documentary stamp tax runs 70 cents per $100 on the deed and 35 cents per $100 on the mortgage, plus a two-mill intangible tax on the note — the same in Pinellas as in every county outside Miami-Dade. We put those on the closing statement up front so the cash to close is known at term sheet, not at the table.

If the collateral is a condominium of three habitable stories or more, Florida's milestone inspection law applies at 30 years — 25 if the building sits within three miles of the coast, which covers much of Pinellas — and every ten years after. An inspection due, or a structural reserve study outstanding, changes what the asset is worth and what an exit looks like. We would rather know at application than at closing.

On the Pinellas coast, insurance is part of the debt service rather than an afterthought: wind coverage, and flood insurance inside a FEMA special flood hazard area, are underwritten into the numbers before we issue terms. A property that cannot be insured at a workable premium is a property whose exit price is wrong.

The Pinellas market

Pinellas has 239,391 single-family homes on the property rolls; 43,722 of them — 18% — are owned by someone who does not live there. That is the investor-owned pool we lend into.RealEstateAPI property records, queried 2026-09-11 · source

19,892 single-family homes in Pinellas changed hands in the twelve months to 2026-09-11 — the deal flow an investor is competing in.RealEstateAPI property records, queried 2026-09-11 · source

1,159 single-family homes in Pinellas are in pre-foreclosure — off-market acquisitions for a buyer who can close in days rather than weeks.RealEstateAPI property records, queried 2026-09-11 · source

26,686 multifamily properties are on the rolls in Pinellas — the rental stock our multi-family and buy-and-hold programs are written for.RealEstateAPI property records, queried 2026-09-11 · source

Florida market reading

What we lend on

First-lien loans from $100,000 to $3,500,000 on residential investment property in Pinellas County — single family, condo, townhouse and multi-family. Up to 75% of value, twelve months, interest-only.

We are a direct, balance-sheet lender. We underwrite, fund and service our own loans, so the decision is ours and it turns on the property and the sponsor’s public record — not on a credit report, tax returns or an outside appraisal.

Indicative terms — every program
Loan amount$100K – $3.5M
Max loan-to-valueUp to 75%
Term12 months (up to 24)
StructureInterest-only
PaymentsMonthly
CollateralResidential, non-owner-occupied
LienFirst lien only

Terms are indicative; the current sheet is always the rates page.

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Nearby: Tampa Bay Florida

SFR Capital LLC (SFR) is a private lender, license exempt under Fla. Stat. § 494.00115. SFR only makes business purpose mortgage loans on non-owner occupied Florida investment property. Nothing here is an offer or commitment to lend. All loans are subject to SFR approval of the sponsor, property collateral, title and documentation.