Florida Non-Warrantable Condo Loans
Purchase or Refinance – Fast, Flexible Options Available Statewide.
A non-warrantable condo is one that doesn’t meet Fannie Mae/Freddie Mac guidelines, often due to factors like short-term rentals (Airbnb), high investor ratios, or ongoing litigation.
Many banks won’t finance them – but we can help.
Looking for a mortgage or financing solution for a non-warrantable condo in Florida? We help buyers and investors secure loans for properties that don’t meet traditional lending guidelines — including condotels, Airbnb-friendly units, and unique properties across Tampa, Miami, Jacksonville, Sarasota, the Panhandle, and beyond.
Whether you’re purchasing or refinancing a non-warrantable condo, our loan programs are built for:
- Condotels and short-term rental properties (Airbnb, VRBO)
- Low owner-occupancy or high investor concentration
- Pending litigation or inadequate reserves
- New or recently converted condo projects
- Non-Fannie Mae/Freddie Mac eligible condos
We specialize in Florida non-warrantable condo loans when banks say no. Our streamlined process makes it easy to check if your property qualifies — with no obligation and no credit pull required.
What Makes a Condo Non-Warrantable?
A condo may be considered non-warrantable in Florida if:
- The HOA is in litigation
- Short-term rentals (Airbnb) are allowed
- Too many units are owned by investors
- The HOA has budget/reserve issues
- Ongoing construction or deferred maintenance
Traditional banks often say “no” — but we find ways to say “yes.”
Fast, Flexible Loan Options
- Purchase or Refinance
- Bank Statement Loans & DSCR Options
- Condotels & Airbnb-Friendly Properties
- Low-Down Payment Options
- Quick Pre-Approvals, No Big Bank Hassle
What Our Clients Say
“My condo was turned down by 3 banks. They got it done fast!”
– Michelle R., Tampa
“I got a refinance offer the same day I applied. Super helpful!”
– Jason K., Miami
“They explained everything clearly and made the process stress-free.”
– Sandra D., Orlando
Florida Non-Warrantable Condo Loan Solutions
Florida Non-Warrantable Condo Loans Experts
:With years of experience navigating Florida’s complex condo mortgage landscape, we specialize in helping homebuyers and investors secure financing for non-warrantable condos, condotels, and short-term rental units across Miami, Tampa, Sarasota, Jacksonville, and the Florida Panhandle. Whether you're buying a primary residence or an Airbnb investment property, we know how to get deals approved that traditional lenders won’t touch.
Loan Programs We Offer
We offer flexible mortgage options for:
- Non-warrantable condos and condotels
- Airbnb-eligible properties
- Investor and DSCR loans
- Low or no-income verification options
- Florida condo purchases and refinances
Our loan programs are tailored to help buyers and investors get fast approvals in markets like Miami, Tampa, Orlando, and the Florida Panhandle.
Why Traditional Lenders Say No — and We Say Yes
Traditional banks often deny financing on non-warrantable condos due to low owner occupancy, litigation, short-term rentals, or association issues. We work with lenders that understand these properties and actively fund them. Whether it's a condotel in Miami Beach or a short-term rental in Sarasota, we know how to structure loans to get them approved.
Florida Condo Markets We Serve
We fund non-warrantable condo loans across Florida, including:
- Miami & Miami Beach
- Tampa & St. Petersburg
- Jacksonville
- Orlando
- Sarasota & Fort Myer
- Destin, Pensacola, and the Panhandle
Our deep knowledge of each market helps us move quickly, even on complex deals.