Urban Bay Housing Fund is a Tampa-based privately held investment firm founded in 2012. The firm specializes in commercial and multifamily lending, primarily in the United States.

There is a wide variety of commercial real estate loan products available throughout the United States including hard money loans, fix and flip loans, rental investment loans, commercial bridge loans, ground-up construction, multifamily bridge loans, small balance commercial, foreign national loans.

Our investment team and special servicing teams are fully integrated and have remarkable experience investing through multiple credit cycles.

Our main goal is to maximize risk-adjusted returns for all investors while seeking to mitigate downside risk. Urban Bay Housing Fund is a leader in sourcing, analyzing transaction complexity, deal structuring, underwriting, and asset management of its investments.

Urban Bay Housing Fund’s Director, Caleb Walsh, has a proven track record over more than thirteen years of successfully building a multi-state real estate portfolio and lending experience so it gives him more perspective in understanding both sides of any deal his firm works on. 

Our Process


Urban Bay Housing Fund purchases a
variety of diverse properties that are
undervalued to convert them
into properties that will build value for
generations to come.


As demand for housing has increased and housing supply decreased we have shifted our focus to new construction and repurposing our existing portfolio.
This reimagined direction encompasses communities with city centers and hotels and office buildings becoming micro apartment dwellings.


Urban Bay Housing Fund self-manages
our properties in order to create a larger
ROI. We avoid hiring management from
3rd party companies as they are less likely
to be conscientious of spending.


Urban Bay Housing Fund purchases existing, under-marketed property to rehabilitate and ultimately build value. Throughout and after the rehabilitation process we in-house manage the business.

We only invest in tangible assets, which ensures security and stability. Real Estate is a reliable investment because even if the stock market crashes, the building still stands. If there is a depression in the real estate market, we will be secured through a variety of diverse properties.