Licensed in Florida • NMLS 1763084 • FL MBR4882
Florida Non-QM Mortgage Lenders — Self-Employed, Investors & STR Buyers
Florida’s real estate market is one of the most dynamic in the country — and one of the most Non-QM-friendly. International buyers, self-employed entrepreneurs, short-term rental investors, and retirees from across the US all converge on a market that requires flexible lending.
FL License
MBR4882
International
buyers welcome
All FL Counties
served
12 Programs
Non-QM options
Why Florida Is One of America’s Top Non-QM Markets
Florida combines several factors that drive Non-QM demand: a booming short-term rental market in coastal and tourist areas, a large population of self-employed business owners, significant international buyer activity (particularly from Latin America and Canada), and a retiree population with substantial assets but limited W-2 income. From Miami’s luxury condo market to Orlando’s Disney-corridor STR goldmine to the coastal vacation rental markets in Naples, Sarasota, and the 30A corridor, Florida offers Non-QM investors and home buyers an enormous range of opportunities. We are licensed in Florida (MBR4882) and actively originate throughout the state.
Florida Self-Employed Borrowers
- LATAM and international business owners in Miami-Dade and Broward
- Restaurant, hospitality, and retail entrepreneurs statewide
- Healthcare professionals and practice owners throughout Florida
- Construction and trade contractors across the state
- Cannabis business operators in licensed Florida dispensaries
- Remote workers relocated to Florida from high-tax states
Florida Real Estate Investors
- Airbnb and VRBO investors in Orlando, Miami Beach, and coastal markets
- DSCR rental investors in Tampa, Jacksonville, and Central Florida
- Fix-and-flip investors in transitional Florida markets
- Condo investors in Miami Beach and Fort Lauderdale
- Retirees qualifying via asset depletion for Florida second homes
- Foreign nationals purchasing Florida investment and vacation property
Non-QM Loan Programs Available in Florida
All programs available for purchase, refinance, and cash-out in Florida and surrounding FL markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Florida borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Florida rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Florida-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Florida-area rehab deals.
Asset Depletion Loans
Convert investment accounts and savings into qualifying income — no job required.
Hard Money & Bridge
7–14 day closings on Florida-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Florida and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Florida business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Florida market.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Florida.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Florida
Do you lend to foreign nationals in Florida?
Yes. Foreign nationals purchasing Florida investment property or vacation homes are a significant part of our Florida business. We work with lenders that have specific foreign national Non-QM programs.
What is the best program for Orlando STR investors?
DSCR loans using AirDNA projections for the Disney corridor are the most popular program. Orlando’s vacation rental market is among the strongest in the US — STR DSCR ratios in good Disney-area markets often exceed 1.25.
Can I use a Florida LLC to purchase an investment property?
Yes. Entity purchases (LLC, LP, corporation) are accepted on most Non-QM investment property programs. Lenders will typically require a personal guarantee.
Are there restrictions on condo loans in Florida after the Surfside collapse?
Yes. Older condo buildings (especially 3+ stories) face additional scrutiny post-Surfside. Some programs require engineering reports and reserve studies. We work with lenders experienced in Florida condo underwriting. Call us to discuss your specific building.
Do you serve all Florida counties?
Yes. We originate throughout Florida including Miami-Dade, Broward, Palm Beach, Monroe (Keys), Collier, Lee, Sarasota, Manatee, Hillsborough, Pinellas, Orange, Osceola, Volusia, Brevard, Duval, and all other counties.
Can retirees moving to Florida qualify with asset depletion?
Absolutely. This is one of our most common Florida scenarios. Retirees from the Northeast and Midwest moving to Florida frequently have significant investment accounts and retirement savings that we convert into qualifying income.
Why Abo Capital for Your Florida Mortgage?
- 35+ years originating Non-QM loans in California, Florida, and Texas
- $500M+ funded across all three states for self-employed and investor borrowers
- 15+ loan programs — we find the one that works for your situation
- 50+ lender relationships — we shop the market, you get the best terms
- 24–48 hour pre-approval response on most programs
- 21-day closings on standard Non-QM; 7–14 days on hard money
- Licensed in CA (BRE 01167081), FL (MBR4882), and TX (SML)
- NMLS #1763084 — call us directly: (310) 312-1200
Ready to Get Approved in Florida?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.