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Clearwater, FL

Clearwater mortgage and investor loans

Quick answerWe arrange home loans and investor loans for Clearwater properties in Pinellas County: DSCR Loans, Fix and Flip Loans, DSCR Cash-Out Refinance, Short-Term Rental (Airbnb) DSCR Loans, Bank Statement Loans, FHA Loans, First-Time Homebuyer Loans, VA Loans, Condo Loans.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

Loan programs in Clearwater

Investor

DSCR Loans in Clearwater

A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).

Investor

Fix and Flip Loans in Clearwater

A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.

Investor

DSCR Cash-Out Refinance in Clearwater

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.

Investor

Short-Term Rental (Airbnb) DSCR Loans in Clearwater

A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.

Home loan

Bank Statement Loans in Clearwater

A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.

Home loan

FHA Loans in Clearwater

An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.

Home loan

First-Time Homebuyer Loans in Clearwater

First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.

Home loan

VA Loans in Clearwater

A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.

Home loan

Condo Loans in Clearwater

A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.

Neighborhoods in Clearwater

  • Clearwater Beach
  • Island Estates
  • Countryside
  • Downtown Clearwater
  • Coachman Ridge

Why borrowers look at Clearwater

Clearwater is best known for its beach, but most residents live on the mainland in established suburban neighborhoods. Clearwater Beach and Island Estates hold condos and resort property, Countryside is classic 1970s-80s suburbia, and downtown is seeing new apartment and condo investment. The housing stock leans toward mid-century and 1970s single-family homes plus beach condos. Buyers include retirees, service workers and investors; the beach drives short-term rental interest while the mainland serves year-round residents. Flood and wind exposure vary sharply between the barrier island and inland streets, so insurance quotes can differ block by block. The city's tourism economy and spring training baseball keep seasonal rental demand steady year after year.

Local market snapshot: Clearwater

Median home value$361,300City of Clearwater · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Median gross rent$1,658/moCity of Clearwater · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Effective property tax rate0.67% (approx.)Pinellas County, effective rate (approx.) · Source: SmartAsset, Florida Property Tax Calculator

Homeowners insurance: The barrier island carries real flood and wind exposure while mainland streets are far more moderate, so address-level quotes matter. Beach condos face the same association insurance pressures seen across coastal Florida. Buyers should never assume one Clearwater quote fits another property.

Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.

Before you buy or refinance in Clearwater

  • Pull the Pinellas County property tax bill early; it is part of every payment and DSCR calculation.
  • Get an insurance quote before you lock a price, including wind and flood.
  • For rentals, check rent comps and any local rental registration or short-term rental rules in Clearwater.
  • Florida charges documentary stamp tax on new mortgage notes (35¢ per $100) and a 0.2% nonrecurring intangible tax on mortgages, both paid at closing. Condo projects face extra review after the state’s post-2022 structural-safety reforms, so condo budgets and reserve studies matter to lenders.

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FAQ

What loans can I get in Clearwater, FL?

Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).

Who assesses property taxes in Clearwater?

Pinellas County. Lenders include those taxes in the monthly payment used to qualify you.

See what you qualify for

It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.

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