When Brian Davison announced plans to build up to 78 new condos in downtown St. Petersburg, he revealed another surprise: His company, EquiAlt, plans to "self-finance'' the project. That could be a smart move. Both nationally and in the Tampa Bay area, businesses are finding it harder to get money from banks these days. No one is saying that bay area's building boom is about to screech to a halt. But borrowers for many types of projects — especially new hotels, apartments and retail outlets — can expect to pay higher interest rates, put more of their own money into the project, or both. Just in the past two weeks, "I've seen more banks pull back and tread more lightly," said Robert Stern, a Tampa real estate attorney whose clients include lenders as well as business borrowers. "I have seen local deals not close, or get declined or...