500+ Florida closings — including Tampa and the rest of Tampa Bay. Any condition, any situation, your timeline. We buy directly with our own funds; you skip 6% commissions and 60-day MLS uncertainty.
From "address" to "cash in hand" in Tampa.
Address and a few honest details. We don't need staging. We don't care about the leak. We use comps and rehab data we already have for your block — not a calculator from outside the state.
We send the number — and the math behind it. ARV minus repairs minus closing minus our margin. No mystery. No 'we'll call you back later this week' games. You'll know in a day.
Walk in with the deed. Walk out with cash. We've used the same FL title companies for 500+ closings and they know the drill. 7 days is normal. 5 if you're racing a foreclosure sale. 30+ if you need more runway.
You don't need to fix the roof Helene tore off. You don't need to win the Citizens fight. You don't need to evict the tenant who stopped paying in 2022. We buy Tampa houses as-is for cash — Hyde Park to Sulphur Springs, Forest Hills to Ybor — and we close in 7 days at any Hillsborough title company you pick.
1. Tell us about the Tampa house. Address, condition, situation. Five minutes on the phone — call 951-331-3844 or fill the form. If you mention Helene, Milton, Citizens, foreclosure, or probate up front, we know exactly what to ask. We've handled every flavor of Tampa Bay distressed sale and we don't need a sales pitch from you.
2. Get a written cash offer in 24 hours. We pull Hillsborough County sold comps in your specific neighborhood — South Tampa $/sf doesn't equal Sulphur Springs $/sf — back out the repair budget honestly, and email you a number. No pressure. No 90-day inspection contingency that lets us back out.
3. Pick your close date and walk away with cash. We close at the title company you pick, anywhere in Hillsborough or Pinellas. FAR/BAR As-Is contract (the joint Florida Realtors / Florida Bar form). Cash closing means no CFPB lender disclosure window — funds wire same day or next. You don't clean. You don't haul out the garage. You don't even have to show up — Florida allows remote online notarization, so if you've already moved out of state, we close digitally and wire the proceeds.
Tampa is the spine of a 3.2-million-person metro that runs from Wesley Chapel down to Bradenton and from Brandon out to Clearwater. Hillsborough County alone closes thousands of residential transactions a year, and that's before you add the spillover from Pinellas, Pasco, and Hernando. The housing stock tells the story of the city in layers — and so do the problems that send Tampa homeowners looking for a cash buyer.
Hyde Park is the historic district just south of downtown — 1920s bungalows, brick streets, prices that survived 2008 fine and exploded after 2015. When something sells fast here it's usually because the sellers are out-of-state heirs who don't want to deal with a Tampa renovation from a thousand miles away, or a divorcing couple who can't agree on a listing strategy. Tampa Heights north of downtown is gentrifying hard but still has pockets of derelict 1910 cottages with code-enforcement files an inch thick — many sitting in family hands for three generations with title issues that scare off retail buyers. Seminole Heights — Old, South, and Southeast — exploded in value over the last decade, but the bungalow stock is old wood, old plumbing, old wiring, and one bad insurance inspection turns a $400K asset into an unfinanceable liability overnight.
Ybor City's shotgun houses and casitas are unique to Tampa — cigar-worker housing from the 1890s — and they don't fit standard appraisal models, which means retail lenders bounce them back constantly. We buy them. South Tampa (Bayshore Beautiful, Palma Ceia, Sunset Park, Davis Islands, Beach Park) is the high-dollar belt. Helene's storm surge punched into ground floors along Bayshore in September 2024 and a lot of those homeowners are still arguing with their carriers. Westshore and Carrollwood are stucco-and-tile suburbia, big single-family inventory, lots of HOA-governed subdivisions, and a steady flow of corporate relocations through the Westshore business district that produce tight-timeline sellers.
New Tampa out by the USF/Wesley Chapel border is 1990s–2010s tract construction — newer stock, lower drama, but plenty of relocations and divorces, and a heavy concentration of HOA-governed subdivisions where dues, capital reserves, and post-Surfside SIRS milestone inspections are starting to bite. Forest Hills between Tampa Heights and the airport got hammered by Milton's wind on October 9, 2024 — roofs peeled in pockets across the neighborhood, and a chunk of those homeowners are still under blue tarp. Sulphur Springs, just east of Forest Hills, is the lowest-income ZIP in the city and a code-enforcement hotspot — we've bought derelict shotgun houses there with $40K+ in accrued city fines and unpermitted bedroom additions stacked on top of unpermitted carports. Town 'n' Country west toward the airport is a mix of older block construction and newer infill, with a lot of Spanish-speaking owners and out-of-state heirs. Anywhere on the Pasco line — Lutz, Northdale, the New Tampa fringe — flirts with sinkhole alley, and that fact alone scares retail buyers off houses that are perfectly fine. Brandon, Riverview, Plant City, and Valrico are their own worlds; if your house is east of I-75, see our Brandon cash buyer page.
Hurricane Helene came ashore in the Big Bend on September 26, 2024 and pushed an 8–10 foot storm surge into Tampa Bay — water on Bayshore Boulevard, water in Davis Islands garages, water in Rocky Point and Westshore Marina condos that had never flooded before. Two weeks later, Hurricane Milton landed near Siesta Key on October 9, 2024 and hit Tampa with a tornado outbreak and 100+ mph winds — the roof damage was widespread from South Tampa up through Forest Hills, Carrollwood, and New Tampa. Eighteen months later, plenty of those homeowners are still in claim limbo. That's why we exist.
The Helene flood line surprised people. Bayshore homes that had survived every storm since the 1921 hurricane took two to four feet of water in living rooms in 2024. Insurance carriers wrote those rooms off as a Coverage A loss only if flood insurance was in place — and a lot of Tampa homeowners outside the FEMA Special Flood Hazard Area had let policies lapse because nobody flooded there. The result: thousands of out-of-pocket repair bills and homes that now appraise lower because the flood event sits in the property history. Milton's tornado outbreak was a different problem — sudden roof loss, often without enough damage to total the structure but enough to require full re-roof. Carriers paying ACV (actual cash value) instead of replacement cost on roofs over 15 years old left homeowners thousands short of the actual quote. That gap is where we come in.
If your house is on the Pasco or Hernando edge of the metro — north of Bearss, anywhere off SR-54 or US-41 — sinkhole alley is a real factor. The geology that made the Tampa Bay aquifer also dissolves limestone unevenly, and Pasco and Hernando counties have produced Florida's highest concentration of insurance sinkhole claims for two decades. If your home has any sinkhole history we can still buy it. See our Spring Hill cash buyer page for the Hernando-side process and our Wesley Chapel page for Pasco.
The other thing worth saying about Tampa: it's a transient city. MacDill Air Force Base PCS orders move thousands of military families every year. USF and the University of Tampa cycle students and faculty. The Port of Tampa, Tampa General, and a healthcare corridor running from Westshore to Brandon bring relocations from across the country. We buy from PCS-orders sellers who got 60 days to be in Norfolk. We buy from snowbirds whose Carrollwood condo sat empty for two winters because the Canadian dollar tanked. We buy from divorcing couples in Channelside who can't agree on a listing price. We buy from out-of-state heirs who inherited a Sulphur Springs duplex and don't want to fly down for a contractor walkthrough. Every one of those situations has the same fix: a written cash offer, a closing date, and a wire.
The post-eviction-moratorium hangover is its own Tampa story. Plenty of small landlords in East Tampa, Town 'n' Country, and the Sulphur Springs corridor stopped collecting rent in 2020–2021 and never fully recovered. The 2026 Florida squatter-removal updates (§82.036) gave landlords a faster sheriff-removal path, but the damage is done — broken plumbing, holes in drywall, missing appliances, and tenants who ghosted on the lease months ago. We buy these portfolios. One door, ten doors, the whole sub-LLC — we'll take a look. See our tired-landlord cash sale page for the playbook on tenant-occupied closings.
The Helene/Milton AOB problem. Florida's 2022–2023 reform package killed post-loss assignment of benefits for residential policies issued on or after January 1, 2023 (§627.7152). That means the contractor who tarped your roof in October 2024 can't take an assignment of your Citizens claim — and a lot of Tampa Bay homeowners discovered after the fact that their roofer's "we'll handle the insurance" promise is now legally void. Public adjuster fees are capped at 10% on declared-emergency claims for the first year and 20% otherwise (§626.854). If you're stuck mid-claim with a tarped roof and a denied or short-paid Citizens letter, the cleanest exit is often to cash out, let us inherit the repair scope, and stop bleeding time. We can structure the deal around the open claim — your call whether to settle pre-close or assign post-close.
Citizens Property Insurance non-renewals. Citizens is the state-run last-resort insurer (§627.351(6)), and its depopulation rules require policyholders to accept private offers within 20% of the Citizens premium. In 2024–2025, Citizens shed hundreds of thousands of policies across Tampa Bay — many to Slide, Florida Peninsula, and other private carriers, but plenty of homeowners with old roofs, failed 4-points, or active claims got non-renewed outright. An uninsurable Tampa house can't be financed by a retail buyer (no lender will close without HOI), which is why these listings sit. We don't need insurance to close.
Florida judicial foreclosure timeline (Ch. 702). Florida courts handle every foreclosure — lender files suit, records a lis pendens (§48.23), 20-day answer window, summary judgment hearing no sooner than 20 days after service (§702.10), final judgment, then a clerk's auction 20–35 days later (§45.031). The owner's redemption right ends at the clerk's filing of the certificate of sale (§45.0315) — no post-sale statutory redemption like other states. In Hillsborough Circuit you typically have 6–14 months from filing to auction. We've closed Tampa foreclosure sales in 9 days when the auction was three weeks out.
Probate (Ch. 731–735). Two tracks: formal administration (Ch. 733), where Letters of Administration name a Personal Representative who alone signs the deed (§733.607); or summary administration (§735.201) for estates under $75,000 non-exempt — rising to $150,000 effective July 1, 2026 under CS/HB 1337 — or where the decedent has been gone over two years. Hillsborough probate division processes a high volume of these every week. We can sign a contract day one and close once the court issues authority.
Homestead reassessment shock (§689.261). When you sell a Tampa homestead and a buyer takes title, the property reassesses at the new purchase price and the seller's Save Our Homes 3% cap drops off. Buyers can carry up to $500K of accumulated SOH benefit to a new FL homestead within three tax years (§193.155(8)) — if you're moving inside Florida, that portability is real money you don't want to forfeit. Florida law requires the §689.261 disclosure at or before contract.
Code enforcement & lien fines. City of Tampa code enforcement runs through the Special Magistrate process under Ch. 162. Fines accrue daily — commonly $250/day on residential — and can quickly exceed property value in Sulphur Springs, East Tampa, and Forest Hills. We buy with the lien attached, then negotiate reduction at the post-close hearing. You don't pay it; we do.
Sinkhole disclosure (§627.7073). Any Tampa-area home with a prior sinkhole claim must be disclosed at sale. Retail buyers and their lenders flee. Cash buyers don't. The disclosure obligation extends to known repairs too — even if the home was professionally remediated and engineering-cleared, the prior claim history follows the property and shows up on the CLUE report. We've bought repaired-sinkhole homes in Wesley Chapel, Land O' Lakes, and Spring Hill where the seller had paid off the repair contractor years ago and just wanted out of the disclosure carousel every time they tried to list.
FAR/BAR As-Is contract (ASIS-7). This is the standard Florida cash deal — joint Florida Realtors and Florida Bar form. The standard inspection period (Paragraph 12) lets a buyer terminate for any reason, which is how a lot of "cash buyers" in Tampa Bay tie up properties and renegotiate at day 13. We don't operate that way. We waive financing (Paragraph 8) and shorten or waive the inspection period up front so you know on day one whether the deal is real. Title insurance premiums are statutorily promulgated under §§627.7711–627.7865 — they're not negotiable. In Hillsborough and Pinellas counties, by custom, the buyer pays for the owner's title policy, which is the opposite of the Miami-Dade/Broward/Sarasota custom. Doc stamps on the deed are $0.70 per $100 of consideration (§201.02), customarily seller-paid; we factor that into the offer so you net a clean number.
Mobile and manufactured homes (Ch. 320). A Tampa-area mobile home on rented land is personal property and conveys with a DMV title under §320.015 — not by deed. If the owner also owns the underlying land and the home has been permanently affixed and an "RP" decal issued, then the unit retires onto the real-property tax roll under §319.261 and conveys with the lot at closing. We handle both. The MH stock around the Pasco line, Plant City, and the Hillsborough fringe is largely personal-property titled; New Tampa and Carrollwood pockets tend to be RP-decaled real property. Knowing which one you have changes the closing process — first call clarifies it.
(Schema rendered from the faqs: block in frontmatter — see top of page.)
If you're staring at a Helene-flooded first floor, a Milton-shredded roof, a Citizens non-renewal letter, a Hillsborough foreclosure summons, an inherited South Tampa bungalow you'll never live in, or a tenant who hasn't paid since 2023 — stop carrying it. The longer a distressed Tampa house sits, the more it costs you in mortgage interest, code fines that compound at $250 a day, HOA dues racking up an §718.116 estoppel balance, insurance gaps, vandalism, copper theft, and squatters who learn the house is empty. Every month is a worse net.
Call Byron at 951-331-3844 or fill the form. You'll have a written cash offer in 24 hours and you can be at the closing table in 7 days at any title company in Tampa Bay. No fees. No commissions. No repairs. No "we need to come do a second inspection." Just a number, a date, and a check.
We buy across the bay too — see our cash-buyer pages for St. Petersburg, Clearwater, Brandon, Wesley Chapel, and Spring Hill, or start at the home page for our full Florida coverage.
If your situation isn't on the list, call us. There's a good chance we've handled it.
Florida is a judicial-foreclosure state. From lis pendens to final judgment averages 8–12 months — but you only have until the courthouse sale to sell. We close before the sale date.
Learn more
Florida probate (Ch. 731–735) can take 6–12 months for formal administration. We can sign now and close once Letters of Administration are issued.
Learn moreFL summary administration applies for estates under $75,000 (or 2+ years post-death). We can structure the contract to match your administration type.
Learn more
Florida is an equitable-distribution state under FL Statute Ch. 61. A clean cash sale gives both parties certainty and avoids months of MLS uncertainty.
Learn moreFL tax certificates sell every June 1. After 2 years (FL Statute 197), the certificate holder can apply for a tax deed — and your home goes to auction.
Learn moreFL code-enforcement fines accrue daily — often $250+/day per violation — and become liens on the property until paid or settled.
Learn more
Citizens Property Insurance non-renewals and AOB (assignment of benefits) disputes leave thousands of FL homeowners stuck. We close even with open claims.
Learn moreFlorida eviction timelines run 4–8 weeks for non-payment, longer for habitability disputes. We buy occupied — you walk away clean.
Learn moreFL humidity makes mold issues compound fast. Most retail buyers walk away the moment mold is disclosed. We don't.
Learn moreMost cash buyers won't show you the math. We will. Move the slider — see how your ARV turns into a number you can take.
Real offers vary based on actual condition, comp data, and our renovation cost on the specific property. This is the framework — your actual offer will show the same line items.
“I live in Texas now. Byron's team flew through everything by email and FaceTime. We signed remote, the title company shipped me a check. I never even had to fly to Miami.”
Composite stories from real Florida closings. Names changed for privacy.
Click your city — or call. We buy throughout Florida.
Tell us about your property — get a written cash offer in 24 hours.
Call (951) 331-3844
