If you're self-employed, a small business owner, or an investor with non-traditional income, these loan programs are designed to help you qualify for financing using alternatives like bank statements, profit and loss (P&L) statements, or asset depletion. These programs are ideal for borrowers who may not show enough income on tax returns but have strong cash flow or liquid assets.
Whether you're looking to purchase or refinance a non-warrantable condo—including condotels, short-term rentals like AirBNBs, or investment properties—these flexible income documentation options can help you access funding without the hurdles of traditional underwriting. Many lenders allow 12 to 24 months of personal or business bank statements, CPA-prepared P&L statements, or asset-based qualification using retirement or investment accounts.
LTV
80%
Rates as low as
6.75%
Low Amount
$100k-$4MM
Cash-Out 70%
: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.
We offer flexible mortgage options for:
Our loan programs are tailored to help buyers and investors get fast approvals in markets like Miami, Tampa, Orlando, and the Florida Panhandle.
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.
We fund non-warrantable condo loans across Florida, including:
Our deep knowledge of each market helps us move quickly, even on complex deals.