St. Petersburg, located on Florida’s Gulf Coast, has become one of the most desirable real estate markets in the state. With a revitalized downtown, vibrant arts and culture scene, and proximity to Tampa, the city attracts both residents and investors from across the country. From multifamily properties in downtown St. Pete to commercial projects along the waterfront, opportunities move quickly—and competition is strong.
In a market where timing can make or break a deal, investors often turn to bridge loans. At My Bridge Loan, powered by Lion Fox Partners, we provide short-term, flexible financing that allows investors in St. Petersburg to close quickly, renovate, and reposition assets before moving into long-term financing.
Why Investors in St. Petersburg Use Bridge Loans
Bridge loans are designed to help investors move fast when opportunities arise. In a city like St. Petersburg, where property values are rising and demand is high, speed is essential.
Benefits of bridge loans include:
Quick closings – Typically in 2–3 weeks
Interest-only payments – Manageable carrying costs during renovations or repositioning
Flexible approvals – Focused on the property’s potential rather than strict borrower documentation
Short-term solutions – Ideal for acquisitions, refinancing, or stabilizing a property before permanent financing
Services
Our Bridge Loan Programs
Our bridge loan programs are tailored for investors working in St. Petersburg and Pinellas County.
Loan amounts: $500,000 to $5 million
Terms: 12 to 24 months, with extensions available
Rates: Starting around 10%
Loan-to-Value (LTV): Up to 70%
Structure: Interest-only
Collateral: 1st mortgage lien position
We finance a wide variety of income-producing properties, including multifamily rentals, mixed-use developments, office buildings, retail spaces, and other commercial properties.
St. Petersburg
The Real Estate Market in St. Petersburg
St. Petersburg’s real estate market is thriving thanks to steady growth, lifestyle appeal, and its position within the larger Tampa Bay metro area.
Downtown Revitalization
Downtown St. Pete has undergone a significant transformation, with new luxury condos, hotels, and mixed-use developments reshaping the skyline. This growth has created opportunities for investors to acquire and reposition properties in one of Florida’s hottest urban cores.
Strong Rental Demand
With its influx of young professionals, retirees, and seasonal residents, rental demand remains strong. Multifamily properties are in high demand, and investors frequently use bridge loans to secure them quickly.
Business and Employment Growth
St. Petersburg is attracting new businesses in technology, finance, and healthcare. The city’s job growth supports long-term housing demand and drives interest in both residential and commercial investments.
Property Appreciation
St. Petersburg has experienced steady property appreciation, making quick acquisitions especially valuable. Bridge financing enables investors to purchase properties before values rise further.
How the Bridge Loan Process Works
Our process is streamlined to help St. Petersburg investors close quickly and efficiently.
Step 1: Apply Online
Submit an application with the property’s details and your investment strategy.
Step 2: Receive a Term Sheet
We review the project and provide indicative loan terms within days.
Step 3: Closing
Once due diligence is complete, closing typically occurs in 2–3 weeks.
Step 4: Execute Strategy
With financing secured, investors can renovate, lease, refinance, or sell the property on their terms.
Get Started
St. Petersburg offers investors a mix of affordability, lifestyle appeal, and strong growth potential. From downtown redevelopment to suburban rental housing, opportunities abound. But in such a competitive environment, speed is essential.
At My Bridge Loan, powered by Lion Fox Partners, we provide fast and flexible bridge loans designed to help investors secure opportunities across St. Petersburg and the Tampa Bay area.
FAQs
Frequently Asked Questions About Bridge Loans in St. Petersburg
How fast can I close on a bridge loan?
Most bridge loans in St. Petersburg close within 2–3 weeks, depending on the property and deal structure.
What types of properties qualify?
We fund multifamily, mixed-use, office, retail, and other income-producing properties in St. Petersburg and Pinellas County.
Can out-of-state investors apply?
Yes. Many investors from outside Florida target St. Petersburg for its affordability compared to Miami and its strong growth potential.
What loan amounts are available?
Programs range from $500,000 to $5 million, tailored to the property and project.
Are bridge loans only for distressed properties?
No. Bridge loans are commonly used for acquisitions, refinances, renovations, and to stabilize properties before long-term financing.