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DSCR MARKET DATA · TAMPA, FL · 2026

Tampa — Premium DSCR Yields With the FL Insurance Crisis Priced In

$340K SFR · $2,100 rent · 0.62% R/P · DSCR 1.05–1.30 with full FL insurance load. STR overlay can push DSCR 1.40+ on Airbnb-eligible coastal corridor properties.

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DSCR Market Data · Tampa, FL · Southeast premium

Tampa, FL DSCR Market Snapshot · 2026 Q1

0.62%

R/P ratio

Tampa MSA · all-property

1.15

Avg DSCR

Long-term rental · 80% LTV / 7.5% w/ FL insurance

$340K

Median SFR price

Zillow ZHVI · 2026 Q1

$2,100

Median monthly rent

Zillow ZORI · 2026 Q1

CASH-FLOW-VALIDATED ZONES

Tampa DSCR Neighborhoods That Pencil in 2026

Seminole Heights

ZIP 33603

$320K–$450K · DSCR 1.10–1.35 · Walkable urban revival

West Tampa

ZIP 33607

$280K–$385K · DSCR 1.15–1.40 · Gentrifying workforce

Tampa Palms

ZIP 33647

$385K–$525K · DSCR 1.00–1.20 · Suburban SFR · NW corridor

Brandon

ZIP 33510

$310K–$425K · DSCR 1.10–1.30 · Eastern suburb · workforce family SFR

Riverview

ZIP 33578

$290K–$405K · DSCR 1.15–1.35 · Southern suburb · growing inventory

WHY TAMPA WORKS

Why Tampa for DSCR Investors

Tampa's R/P at 0.62% looks worse than Rust Belt metros until you layer the STR overlay. Coastal corridor SFR with verified Airbnb history pulls 2.2x–3.0x long-term rent equivalence — pushing DSCR from a marginal 1.05 to a comfortable 1.40+. The FL insurance crisis is real (Citizens, Florida Peninsula, surcharges) but priced into 2026 deals.

  • STR overlay available — verified Airbnb history can push DSCR 1.40+
  • FL state income tax: zero — bumps after-tax yield meaningfully
  • Tampa Bay employment: WellCare, Raymond James, Publix, MacDill AFB, healthcare clusters
  • Population growth +1.8% YoY — strongest of any top-15 metro
  • FL insurance crisis is priced in — 2026 deal flow stable with proper carrier selection

Tampa DSCR & FL Insurance Crisis 2026 — read the full market intel →

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Clean files close in 21-30 days · 80% LTV purchase · 75% cash-out refi

HOW TAMPA COMPARES

How Tampa Compares to Other Top-Tier DSCR Markets

Tampa is the highest-entry-price market in the top 15 with the lowest R/P ratio (0.62%). Long-term rental DSCR is marginal (1.05–1.30 with full FL insurance), but the STR overlay flips the math — Airbnb history on coastal SFR can push DSCR 1.40+. Compared to FL alternatives — Jacksonville (R/P 0.71%, similar insurance) and Orlando (R/P 0.59%, STR-heavy) — Tampa balances LTR and STR opportunity.

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DATA SOURCES

Where This Tampa DSCR Data Comes From

Median price + rent: Zillow ZHVI / ZORI 2026 Q1. R/P derived from ATTOM Data. STR data from AirDNA market overview. FL insurance avg from Citizens Property Insurance Corp 2026 rate filings. Last refreshed 2026-05-16.

Market data is informational only and does not constitute a loan offer. Verify all subject-property numbers via comparative market analysis before underwriting.

FREQUENTLY ASKED

Tampa DSCR Lending Questions

Tampa is a STR-and-zones DSCR market. Long-term rental DSCR is marginal (1.05–1.30) due to high entry prices and FL insurance load. With a verified Airbnb history layered as STR overlay, DSCR jumps to 1.40+ on coastal corridor SFR. Without STR, focus on Brandon/Riverview suburbs where R/P is more favorable.

Long-term rental: 1.05–1.30 at 80% LTV / 7.5% with full FL insurance ($3,500–$5,500/yr depending on flood zone). STR overlay can push DSCR 1.40+ when verified Airbnb 12-month history is available. Seminole Heights and West Tampa walkable revival zones push the highest LTR DSCR (1.15–1.40).

Yes — Seminole Heights (33603), West Tampa (33607), Brandon (33510), Riverview (33578). For STR specifically, the coastal corridor (Davis Islands, Bayshore) carries 2.5x–3.0x LTR yield equivalence. Avoid SFL panhandle FEMA Zone V/VE without dedicated flood-insurance underwrite.

Tampa loan amounts typically $250K–$600K matched to Tampa SFR inventory. 80% LTV purchase, 75% cash-out refi. Standard 20% down. Insurance escrow required — FL insurance load is the #1 close-stage surprise we mitigate at quote stage.

Tampa demands a clear LTR-vs-STR strategy decision before pre-qualification. LTR focus → Brandon/Riverview suburbs. STR focus → coastal corridor + verified Airbnb history. Insurance quotes BEFORE pre-qualification — FL insurance varies 2x across flood zones.

Homestead Capital Partners NMLS #2587985 | NEXA Mortgage, LLC NMLS #1660690 (DBA NEXA Lending)

5559 S Sossaman Rd, Bldg #1 Ste #101, Mesa, AZ 85212 | Licensed in 48 states (excluding New York and Massachusetts) | Equal Housing Lender

DSCR loans are business-purpose investor mortgages — not consumer mortgages. Terms, rates, and product availability depend on the lender, the property, and the borrower's qualifications. Nothing on this page is a commitment to lend. Verification, not guarantee.