More Loan Options in Clearwater
Fastest Hard Money Loan Lenders Serving Clearwater, Florida
- EquityMax – Website | Phone: 954-267-9103
- LendingOne – Website | Phone: 866-918-1974
- BridgeWell Capital – Website | Phone: 866-500-4500
- Capital Funding Financial – Website | Phone: 954-320-0242
- Hard Money Mobile – Website | Phone: 786-305-4300
Loan Programs in Clearwater, Florida
Hard Money Loan
Designed for real estate investors in Clearwater who need fast funding. Based on property equity rather than personal income or credit score. Ideal for time-sensitive purchases and quick closings—often within 5–7 business days.
DSCR Loan
Perfect for rental property buyers who earn passive income. This loan is approved based on Debt-Service Coverage Ratio (DSCR), meaning the rental income covers the loan payment. No income docs or W2s required.
Fix & Flip Loan
Tailored for investors buying undervalued homes to renovate and resell. Receive funds for both the property purchase and renovation costs. Useful for Clearwater’s older neighborhoods undergoing revitalization.
Bridge Loan
Short-term loan that bridges the gap between buying a new property and selling the old one. Flexible and quick to fund, helping you secure deals in Clearwater's competitive market.
Construction Loan
Designed for ground-up construction or major renovation projects. Loan is distributed in draws as construction progresses, based on approved plans and after-repair value (ARV).
Multifamily Loan
Used for acquiring, refinancing, or renovating multifamily properties (2–30+ units). Clearwater’s growing rental market makes this a smart option for investors seeking scalable income.
Why Take Advantage of Hard Money Loan Programs in Clearwater?
Clearwater is a dynamic market for real estate investment, with its strong tourism appeal and steady rental demand. Whether you’re flipping homes or acquiring income properties, hard money loans allow you to act fast, beating traditional buyers who depend on lengthy mortgage approvals.
Requirements for Hard Money Loan in Clearwater
To qualify for a hard money loan in Clearwater, you typically need:
- At least 20–30% equity or down payment in the property
- A property in good or improvable condition
- A defined exit strategy, such as sale, refinance, or rental income
- Collateral that meets lender’s risk and location criteria
No income documentation, W2s, or perfect credit are required. These loans are ideal for borrowers who are asset-rich but cash- or time-constrained.
Best Areas of Clearwater for Real Estate Investment and Homebuying
Top Clearwater neighborhoods include Island Estates, Countryside, and Greenbriar. Proximity to Clearwater Beach and the downtown core offers great returns for both short-term and long-term rental strategies.