Key Largo is the most accessible Keys community — 1 hour from Miami, deep diving culture, mix of waterfront primary, second-homes, and investor properties. I close every Key Largo deal type, from $400K canal-front condos to $5M oceanfront jumbos.
Miami / Broward residents wanting a 1-hour getaway. 10%+ down second-home loans. Conventional + jumbo. Most common Key Largo profile.
$700K-$2M canal-front and oceanfront. Conforming + jumbo blend depending on price. Insurance + flood pre-quoted.
Diverse condo market — some warrantable, many not post-Surfside. I match the right product (agency, portfolio jumbo, or DSCR) to the unit.
Permitted STR available under county rules. DSCR loans for waterfront with strong AirDNA history. LLC closing.
Existing Key Largo owners with appreciation. Cash-out refi for next investment, debt consolidation, or HELOC alternative.
European, LATAM, Canadian buyers. Foreign National + ITIN paths. 25-30% down.