HARD MONEY LENDERS TAMPA
Our personalized hard money loans, expedite your closings so you can build, protect and preserve generational wealth fast.
WHAT TO EXPECT
FROM YOUR HARD MONEY LENDER IN TAMPA?
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We understand that some people may not want their credit checked, especially when applying for a loan. Here at Blue Bay Capital, we want to make the lending process as accessible and flexible as possible for our clients. That's why we offer hard money lending options that don't require a credit check. If you're interested in learning more about our services, please don't hesitate to contact us. We're here to help in any way we can.
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We appreciate you considering our services, and we want you to know that we truly value your time and business. Our team is committed to delivering efficient and prompt responses to all of our clients, and we understand how crucial quality service is to meet your needs. If you have any questions or concerns, please don't hesitate to let us know. We're here to assist you in any way we can.
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At Blue Bay Capital, we take pride in our cutting-edge online loan request platform. We've revolutionized the outdated process of sending documents as email attachments or uploading them to clunky webpages from the past. Our new age technology makes submitting documents and information easier than ever before. As a real estate investor, we recognize your need for speed and convenience, and we've worked tirelessly to ensure that our platform delivers just that. We're thrilled to join forces with you for your next investment opportunity!
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We appreciate your consideration for our lending services. Our team takes pride in our ability to provide some of the quickest closing times in the industry. For a purchase-only loan, we can close your request in as little as 7 business days. If we are also funding the construction, we can still close your loan in just 12 business days. Our commitment to speedy funding sets us apart as the premier Tampa hard money lender. We look forward to working with you to help you achieve your financial goals.
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We understand how frustrating it can be to have to go through a broker and an underwriter who doesn't seem to understand your investment strategy. That's why at Blue Bay Capital, we offer you the opportunity to speak directly with Edwin Epperson, the decision maker who manages the Blue Bay Fund. You deserve to have someone who truly understands your goals and can help you achieve them. Rest assured that your investment is in good hands with us.
EDWIN EPPERSON
Hello, and welcome!
I am Edwin, I want to take a brief moment to introduce myself as well as give you a glimpse of who I am, what I believe, and why I enjoy being a Tampa private lender. I grew up in KY, the oldest of 6 siblings. I joined the military in 2002 and served 13.5 years. I deployed seven times in combat operations and earned the coveted Green Beret, serving on ODA 7325, a combat dive team. I was honorably discharged in Oct 2015 and immediately stepped into my current career as a private money lender in Tampa.
Interestingly enough I started my real estate investing journey, by becoming a Florida hard money lender, NOT the standard way to get into RE Investing!
I worked hard at understanding the laws and regulations around private lending, how to mitigate risks, and how to maximize a return for myself and my investors. The first loan I originated was during my last deployment to Afghanistan in the summer of 2014, while on the side of a mountain! Since then, I have been passionate about the lifestyle that private lending provides, and the relationships I am privileged to build. I hope to work with you in the near future and better our communities while building generational wealth.
Veteran Owned.
Trusted Private Lender.
What matters to you as a real state investor:
You are here because you are looking for information on hard money loans in the Tampa area and you are searching for a reliable lender.
You need to secure a loan quickly for a property investment opportunity, and you understand that hard money loans may be your best option.
You are looking for a private money lenders in Tampa and a professional lender focuses more on the collateral than my credit score.
Fast, easy funding with no headaches or hassles is your top priority.
You want to work with a professional lender who understands your situation and can offer you a fair deal.
We understand that securing the necessary funding can be a stressful and overwhelming experience. That's why we're here to make the process as simple and hassle-free as possible. With our help, you will have a smooth and stress-free funding experience. We're here to support you every step of the way.
AS SEEN IN
3 EASY STEPS TO GET FUNDED.
Are you looking for private money lenders in Tampa to help your next real estate investment?
We understand how challenging it can be to secure financing for real estate investments, especially in today's market. It's wise of you to take the time to research and find a reputable private lender in Tampa who can provide the funding you need.
Here are three easy steps to get funded:
Firstly, locate trustworthy private lenders in your region who specialize in real estate financing.
Secondly, gather all the necessary documentation, such as property information and financial statements.
Finally, submit your application and await approval.
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Apply
Our online loan application is fast and easy, takes less than 5 minutes to request loan!
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Upload
Fast document review and loan approval, all with a state-of-the-art digital process.
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Approved
Quick Approvals means you close fast, on time, and with confidence.
As you look for private money lenders in Tampa, remember to always do your due diligence and choose a lender who aligns with your values and goals. If you're interested in learning more about our services, please don't hesitate to contact us. We're here to assist you in any way we can!
WHY BLUE BAY CAPITAL?
We have the experience , speed, and personal connection you are looking for from hard money lenders in Tampa, Florida.
Local, direct, portfolio lender.
We work diligently and efficiently to personally process, underwrite, and approve your loans.
One-stop shop for all your real estate investment loans.
Lending our capital means we are vested in your success.
Being selective with our clients allows personalized, concierge service dedicated to each client.
Private money lenders in Tampa are hard to come by. That’s why I am committed to helping my clients, Florida real estate investors, become successful through true asset-based lending. I care more about your team and your experience than I care about your credit score.
We operate our hard money business with:
integrity
communication
transparency
Our Approach
At Blue Bay Capital we strive to make the process as streamlined as possible. Our dedication and commitment to our approach make us the best local private money lender Tampa has ever had!
We believe communication should be priority number one. Thats why we have partnered with a world-class technology and communications platform for each one of our Tampa hard money clients. Efficient and prompt communication ensures that you, your real estate agent, insurance agent, and title company are all kept in the loop at the same time on the same issues.
We believe that transparency will be a result of clear and concise communication. When everyone who is working with you, the real estate investor, is on the same page and has access to all of the same information, transparency is the result.
Lack of integrity has sunk many a private money lender ships’ in Tampa Bay Florida! That or it’s the pirates! Either way, unethical and shark-like business practices have put many private hard money lenders out of business.
At Blue Bay Capital integrity is what drives our repeat business. By choosing to work with me and my company you are guaranteed to have a lender that’s in your corner, rooting for you, not against you. You will have a capital partner that wants you to succeed not fail just to get your property.
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Processing
Your personalized loan document portal makes submitting documents fast and easy. We even provide you examples of what the right document should look like so that you get it right the first time.
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Underwriting
Our underwriting criteria are simple and straightforward. Asset-driven values and investor experience are our focuses. No credit checks or proof of income for all our loans products*
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Closing
Through our online platform, we maintain communication with all parties at once. No dropped tasks with us Your real estate agent, insurance agent, and title agent are all kept in the loop.
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Servicing
Our servicing is simple and streamlined. No complicated draw processes, no confusing accounting. Do you need to be reimbursed for construction funding? Easy as 1-2-3, funding disbursed in as a little as 5 days.
* Our only loan program that requires a credit check is our DSCR Rental Loans. This is because we broker out this money from large national investors.
We are your hard money lender Tampa Florida! How can we help you get rehab loans for your investment business today?
Florida loans to rehab a home.
Don’t you want to work with a team that has your back and strategizes with you to offer the best solutions for your specific hurdle?
Our experience in hard money loans Tampa, whether you need fast cash for a Fix and Flip, a bridge loan for a buy and hold, or you are a wholesaler in need of transactional funding, we have got you covered!
Fast funding, no games, you will know what we can provide for your needs in as little as 5 minutes.
As private money lenders tampa, we are active and understand the current market environment.
We work closely with our clients to ensure that you are able to buy investment real estate fast and with no hassle.
Our past clients are satisfied and continue to work with us; building, protecting, and preserving their family’s generational wealth.
At Blue Bay Capital we have several loan types for many different Florida real estate investors.
Fast funding, no games, you will know what we can provide for your needs in as little as 5 minutes.
Our Loans and Rates.
Because we are the most sought-after hard money lenders Tampa Florida has, this question comes up often. So I want to provide you with a brief overview of what I have to offer. You can check out our loan programs below for downloadable guidelines over each of our loan programs.
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Purchase or Refinance options
Borrow up to 100% construction funding
SFR 1 - 4 Units, Condos and Townhouses
We do not fund manufactured homes, MF 5+, Mobile Home Parks, or commercial properties
Florida
$50K - $465K NO credit check
$500K - $1.5M with credit check
6 - 12 mo. terms *
As low as 10% APR Interest Only *
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Purchase or Refinance options
Include lot clearing, grading, permits, plans, and 100% vertical costs
SFR 1 - 4 Units, Condos and Townhouses
We do not fund manufactured homes, MF 5+, commercial properties, or projects with over 10 structures being built.
Florida
$50K - $465K NO credit check
$500K - $1.5M with credit check
9 - 18 mo. terms *
As low as 10% APR Interest Only *
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Purchase 80% Max LTV and Refinance (rate & term = 80% Max LTV/ Cash-Out = 75% Max LTV) funding options
SFR 1 - 4 Units, Condos and Townhouses.
We do not fund manufactured homes, MF 5+, Mobile Home Parks, or commercial properties
Florida
$100K - $3M *Sub $100K options available
30 yr. PITI or 10 yr. IO terms** 5/6 ARMS available
Starting out at 7.00% APR Amortized
Credit Scores as low as 620
Long Term or Short Term Rental strategies approved
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Purchase loan options *Wholesalers ONLY
ALL Real Estate Types
Over 40 States ***
$25K - $1M
24 - 72 Hrs.
As low as .75% of the loan amount
* These rates and terms are subject to change based on the market, investor risks levels, as well as varying factors outside our control
** We offer a fully amortized option of a 30 year principal, interest, taxes and insurance, loan option as well a 10 year interest only loan option
*** Contact us to learn which states Transactional Funding can be provided in.
