Homes in Pasco County, Florida, are selling like hotcakes, and all savvy investors have been eyeing a piece! Located on the west central coast of the state, the county is lined with those quintessential small towns where everyone’s been wanting to settle lately.

If you plan to buy a property in Pasco County, let Hard Money Loan Solutions (HMLS) assist you with the financing! We are a team of experienced lenders with the local expertise you need to close deals quickly—sometimes in as little as three days!

We lend in all Pasco locations, including:

  • Dade City
  • New Port Richey
  • San Antonio
  • Zephyrhills
  • St. Leo

Call us to get started with your next purchase, refinance, rehab, or construction project!

Bridge, Hard Money, and Business Loans in Pasco County, Florida

Acquiring funding through traditional channels like banks and mortgage companies is often a time-consuming affair. You have stringent qualification requirements and tons of paperwork to submit—all that work, and there’s still no guarantee you’ll be approved.

That’s where private lenders like Hard Money Loans Solutions come in. At HMLS, we lend based on the underlying value of the property acting as the collateral. We don’t consider your credit score, income stream, and financial health for underwriting but fund according to the profitability of your deal or your repayment strategy.

Reach out to HMLS for any property deal in Pasco County. We can support new purchases, cash-out refinances, land development, property flips, rental property acquisitions, new construction, partner buyouts, and home renovation, among other projects. Foreign nationals and business owners are welcome!

All our products are low on paperwork and entirely customizable to your needs. This is what our primary lending structure in Pasco County looks like:

  1. Loan size—$100,000–$50,000,000+
  2. LTV—Up to 70%
  3. Tenure—1–3 years
  4. Interest rates (fixed)—9.99%–12%
  5. Origination—2 points
  6. Closing—3–14 days
  7. Monthly payment—Interest-only
  8. Prepayment penalty—No (if settled after six months)
  9. Retainer fee—$1,500
  10. Hidden costs—No

Call us at (855)-244-2220 and talk to our team about your desired product. You’ll receive free investment advice and can get approved within a day!

Perks of Financing With HMLS

HMLS financing is all about the client. We are upfront in our communications and will never hold you up if we cannot serve your deal. Our pricing structure is free from junk and hidden elements like underwriting and rate-locking fees.

Being a 5-star-rated lending group, we have a track record of fulfilling efficient, legally compliant hard money loans in complicated scenarios like the following:

  • The deal has been rejected by other lenders
  • You want to collateralize several properties
  • Your last property flip fell through

We understand local housing trends and can help you ride the waves of real estate market shifts with smart loan modifications. 

What Makes Pasco County an Investment Hotspot in Florida?

Besides offering beach fun like most Florida regions, Pasco County is known for its cultural attractions and cosmopolitan vibe. As far as real estate is concerned, the county pulls in travelers, job seekers, retirees, and growing families. Population in Pasco County has witnessed a steep upward trend in recent years, which has led to the expansion of infrastructure development activities in the area.

Source: World Population Review

Pasco County’s tourism sector remains one of its major real estate drivers. With the abundance of adventure trails, sports, and wildlife activities, you’ll find many tourists using the towns in the area as short getaways. As of late, the county has also been a prime venue for the nudist tribe, so investing in hippie resorts, hotels, rental condos, holiday homes, and spas makes sense.

Getting single-family homes and apartments in the area is another great option. People move to Pasco County for mainly three reasons:

  1. Strong economy—Pasco’s largest industries include healthcare, retail, and construction, which employ thousands of people with meaty salaries
  2. Relatively low cost of living—The cost of living in the county is considered to be 2% lower than the national average
  3. Good schools—The county has dozens of established schools welcoming a diverse group of students

Whatever property you have in mind, acquire it without stress! Reach out to HMLS at (855)-244-2220, and we’ll help make it a win-win deal.

Pasco County, FL—Housing Market Statistics and Trends

If you like to rely on numbers, check out some top housing market trends for Pasco County:



4.3% increase in the number of homes sold

Over 1,400 homes were sold in Pasco County in the 2022–2023 period, with single-family homes commanding the highest prices

Most listed homes sell within a month

The median selling time for a listed home in the county is 26 days, which indicates a healthy demand-supply axis

More than one-third of residents rely on rentals

About 73% of Pasco County residents own their homes, while the rest rely on rentals

*Sourced from the latest statistics available on Redfin and World Population Review

An illustration depicting the owner-renter ratio among different demographics in Pasco County

Source: World Population Review

If you’re worried about the statistical viability of a particular deal, we’ll help you comb out the details. Our lending team has 20+ years of experience and can provide objective advice on your next property investment. Give us a call at (855)-244-2220 to take the discussion ahead!

Supportive Investor Groups for Pasco County Real Estate

If you want a robust support system for your Pasco County investments, the following groups can be of help:

  1. Pasco County Real Estate Investors Group—Has 60+ members who meet once a month to discuss the local property trends. The group is open to anyone, including investors, wholesalers, developers, and agents
  2. Pasco Economic Development Council (EDC) Investors—Not a real-estate-only group but can help you connect with top property dealers and big-league developers
  3. Tampa Real Estate Investors Alliance—Connects you with a peer group of over 2,500 real estate professionals in the west coast region. Memberships start at $100/year

Lucrative Investment Opportunities Beyond Pasco County

Check out our investment guides for other hot housing markets in Florida:

Note: All submitted information is kept in strict confidence and used solely for the purpose of obtaining a hard money loan and/or bridge loan. We do not share your information with any third parties without your consent.


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