DSCR, STR, bridge, hard money, portfolio, asset-based — the full investor toolkit, structured for coastal Florida realities. No tax returns required on most products.
One investor, one strategy call, full coverage across acquisition, hold, and exit financing.
Property-based qualifying. No tax returns. 1.0+ DSCR qualifies; 1.20+ gets best pricing. Long-term and short-term rental versions.
Projected income or T-12 AirDNA. Built specifically for vacation rental investors in the Keys, Miami, Naples, and Treasure Coast.
9–24 month bridge for fix-and-flip, value-add, or 1031-deadline closings. Up to 85% LTC, interest-only.
Fast-close (7–14 day) financing for renovation deals. Asset-based, no income docs. Strategic when speed matters more than rate.
Cross-collateralize 5–50+ rental properties under one loan. Refi out of multiple notes. Used by serious operators.
Time-pressured exchanges need a lender who can close in 21 days. We've done it dozens of times.
Self-employed investors. 12/24 mo bank statements or CPA P&L. Real income, no Schedule C deductions screwing you.
$1M+ in liquid assets but limited W-2 income? We use 70% of assets / 360 to qualify. Common for retired / semi-retired investors.
Non-US citizens buying in coastal FL. ITIN or passport-based qualifying. Common in Miami, Keys, Naples luxury markets.
DSCR pricing varies wildly across lenders for the same exact deal. I quote 4–6 lenders on every deal so you get the best execution.
21-day closes on bridge. 30-day closes on DSCR. I have lenders who actually deliver, not just lenders who quote aggressively.
Before you go into contract, I run insurance, DSCR, reserves, FICO. No surprises 3 weeks in. We talk about the issues now, not at closing.
I've structured deals in VE zones, with $18k insurance, on non-warrantable condos, with surplus-lines binders. The hard ones are my normal.
"Easy" deals don't need a specialist. The deals other lenders can't close are where I add value. Let's talk through your acquisition pipeline, your portfolio refi, or your 1031 deadline.
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