Tampa Finance-Side Intelligence
Tampa is the largest commercial real estate market in Florida and one of the top-15 metros in the United States — combining a deep, diversified economy (Raymond James, TD SYNNEX, Citigroup operations, WellCare), Fortune 500 corporate presence, world-class port and industrial infrastructure (Port Tampa Bay, MacDill AFB / CENTCOM), and one of the strongest population growth profiles in the country. Tampa commercial real estate financing spans CMBS conduit, Fannie Mae / Freddie Mac agency multifamily, SBA 504 / 7(a), bridge / debt fund, and construction lending. Michael R. Linton provides direct access to 500+ active lender relationships across every financing program relevant to Tampa CRE acquisitions and refinances spanning class a office, industrial, multifamily, retail, hotel, medical office, mixed-use, land.
Tampa commercial real estate financing spans every major CRE lender program: CMBS conduit (for stabilized institutional-quality assets), agency multifamily (Fannie Mae DUS and Freddie Mac Optigo for multifamily), SBA 504 and 7(a) (for owner-occupied), bridge / debt fund (for transitional value-add), and construction lending (for ground-up and major renovation). Direct lender access matters: a CMBS quote for the same Tampa asset can vary 25–100+ bps across major conduit shops, and the same is true for agency, bridge, and construction. Get loan quotes across our 500+ active lender network.
Michael R. Linton (FL Broker #BK703722) brings 39 years of Florida CRE transactions, 500+ active lender relationships, and a 15,000+ accredited investor network to every Tampa finance engagement.
Asset Classes Active in Tampa
Tampa attracts distinct buyer and tenant pools by asset class. Each card below opens our Florida-wide guide for that asset class — cap rate ranges, buyer demand profile, financing programs, and underwriting framework — applicable to Tampa finance-side transactions.
Financing Tampa? 500+ Lenders.
Acquisition, refinance, construction, bridge — we source quotes across our 500+ active lender network. Most clients save 25-100+ bps vs going to a single lender.
Get Loan Quotes →Frequently Asked Questions — Tampa Finance
What financing programs work for Tampa commercial real estate?
Most major CRE financing programs work for Tampa: CMBS conduit (for stabilized institutional-quality assets), agency multifamily (Fannie / Freddie for multifamily 5+ units), SBA 504 and 7(a) (for owner-occupied), bridge / debt fund (for transitional value-add), and construction lending (for ground-up). Program selection depends on the asset profile, capital structure, and borrower objectives.
Can I get a CMBS loan in Tampa?
Yes — CMBS conduit lenders actively quote Tampa stabilized institutional-quality assets. Typical CMBS terms: 5- or 10-year fixed rate, 30-year amortization (with 5- or 10-year balloon), 65–75% LTV, 1.20–1.30x DSCR floor, 8–9% debt yield minimum, non-recourse with bad-boy carve-outs. Specific quotes vary by lender, asset, and capital markets timing.
How long does CRE financing take to close in Tampa?
Bridge / debt fund: 30–60 days. SBA 504 / 7(a): 60–90 days. Agency multifamily: 60–90 days. CMBS: 60–90 days. Bank: 45–90 days. Construction: 90–120 days. Specific timing varies by lender, asset complexity, and third-party report turnaround.
What rates can I get on a Tampa commercial mortgage?
Current commercial mortgage rates depend on lender program, loan-to-value, debt yield, term, recourse structure, and capital markets conditions at quote. We source quotes across our 500+ active lender network for every Tampa financing request — clients typically see 25–100+ bps spread across competitive quotes.