Can I get a NON-QM loan for a vacation rental in Florida?

Yes! Our DSCR loans are perfect for Florida vacation rentals. We can use projected Airbnb or VRBO income to qualify, with no personal income verification required. This is ideal for Orlando, Miami, and Tampa Bay short-term rental investors.

Do you offer loans to foreign nationals buying property in Florida?

Absolutely. Florida is a top destination for international buyers, and we specialize in Foreign National loans. No SSN required, ITIN accepted, and we work with buyers from Latin America, Europe, and around the world.

What NON-QM options are available for Florida retirees?

Our Asset Depletion loans are perfect for Florida retirees. Qualify using your retirement accounts, investments, and liquid assets instead of employment income. We can help you purchase your dream Florida home without traditional income documentation.

(800) 917-1595

NMLS #139369

Florida

Florida NON-QM Mortgage Specialist

The Sunshine State attracts investors, retirees, and international buyers - and we have the loan programs to match. From Miami Beach condos to Orlando vacation rentals, we close deals banks can't.

NMLS #139369

127+ Five-Star Reviews

30+ Years Experience

Florida by the Numbers

$3.5M

Max Loan Amount

620

Min Credit Score

Days to Close

100+

FL Closings/Year

NON-QM Loan Programs for Florida

Specialized mortgage solutions for Florida's diverse real estate market - from vacation rentals to retirement homes.

DSCR Loans

Finance vacation rentals and investment properties in Florida's tourism hotspots

Short-term rental income
No income verification
Unlimited properties

Bank Statement Loans

Perfect for Florida's self-employed professionals and seasonal business owners

12 & 24 month programs
Up to $3.5M
Credit from 620

Asset Depletion

Ideal for retirees relocating to Florida's sunshine

No employment required
Use retirement accounts
Up to $3.5M

Foreign National

Serving Florida's international buyers from Latin America, Europe, and beyond

No SSN required
ITIN accepted
Investment & primary

Investment Property

Build your Florida rental portfolio - from condos to multi-family

Condo-friendly
Airbnb/VRBO income
No income docs

HELOC & HELOAN

Access your Florida home equity with flexible options

All income types accepted
Up to 90% CLTV
Fast approval

Florida Markets We Serve

From South Florida's luxury markets to Central Florida's vacation rental hotspots, we know Florida real estate.

Miami

Pop: 450K•Avg Home: $620K

Tampa Bay

Pop: 400K•Avg Home: $420K

Orlando

Pop: 310K•Avg Home: $400K

Fort Lauderdale

Pop: 185K•Avg Home: $480K

Jacksonville

Pop: 950K•Avg Home: $340K

Palm Beach

Pop: 120K•Avg Home: $750K

Recent Florida Closings

Real deals we've closed for Florida borrowers that traditional banks turned down.

$2.4M

Miami Beach, FL

Foreign National

International investor from Brazil

$1.1M

Tampa, FL

DSCR

Vacation rental portfolio

$850K

Orlando, FL

Bank Statement

Theme park contractor

$1.8M

Naples, FL

Asset Depletion

Retired executive

Ready to Get Started in Florida?

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