Non-QM Mortgage Specialists • Miami, FL • FL MBR4882
Non-QM Mortgage Loans in Miami — Serving Global Buyers & Local Investors
Miami is one of the most internationally diverse real estate markets in the US. Foreign national buyers, LATAM business owners, crypto-income borrowers, luxury condo investors, and Airbnb hosts all need creative mortgage solutions. We have them.
$650K+
Miami-Dade median price
International
buyers welcome
STR
Miami Beach market
12 Programs
available
Miami’s Real Estate Market and Non-QM Demand
Miami’s real estate market operates at the intersection of domestic and international demand, making it uniquely complex for mortgage underwriting. Median home prices in Miami-Dade have surpassed $650K for single-family homes, with luxury condos in Brickell, Edgewater, and Miami Beach commanding $1M to $10M+. The buyer pool is heavily weighted toward self-employed entrepreneurs, international buyers, and investors. Miami’s self-employed population includes a large concentration of LATAM business owners, import/export entrepreneurs, and financial professionals who operate partially or fully offshore. Non-QM bank statement and P&L programs provide the documentation flexibility these borrowers need. Miami Beach and South Beach are among Florida’s top Airbnb markets, driving strong demand for STR-specific financing.
Who We Serve in Miami
- LATAM business owners and entrepreneurs throughout Miami-Dade
- Finance, hedge fund, and private equity professionals in Brickell
- International buyers from Brazil, Colombia, Argentina, and Venezuela
- Restaurant and hospitality owners in Wynwood, Little Havana, and Coral Gables
- Real estate developers and investors in transitional neighborhoods
- Crypto and digital asset professionals needing bank statement qualification
Miami Real Estate Investors
- Airbnb and STR investors in Miami Beach, Coconut Grove, and Wynwood
- DSCR rental investors in Little Havana, Hialeah, and North Miami
- Condo investors in Brickell, Edgewater, and Aventura
- Fix-and-flip investors in transitioning Overtown, Liberty City, and Opa-Locka
- Multifamily investors in Miami-Dade and Broward
- Foreign nationals acquiring Miami investment property
Non-QM Loan Programs Available in Miami
All programs available for purchase, refinance, and cash-out in Miami and surrounding FL markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Miami borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Miami rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Miami-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Miami-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 Miami-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Miami and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Miami business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Miami market.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Miami.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Miami
Can foreign nationals get a mortgage in Miami?
Yes. We work with lenders that have Non-QM programs specifically designed for foreign national buyers. These programs typically require 30–35% down payment, US bank accounts, and income documentation from the home country.
Can I use cryptocurrency gains to qualify for a Miami mortgage?
Cryptocurrency income can qualify if it’s documented through bank deposits — i.e., you’ve converted crypto to USD and it appears in bank statements. We use bank statement loan methodology to document this type of income.
Are there special programs for Miami condo buyers?
Miami has many non-warrantable condos — buildings that don’t meet Fannie/Freddie standards due to investor concentration, litigation, or reserves. Non-QM programs are often the only option for these buildings, and we have experience navigating Miami condo underwriting.
What Miami neighborhoods do you serve?
All of them — Miami Beach, South Beach, Brickell, Coconut Grove, Coral Gables, Wynwood, Design District, Little Havana, Hialeah, Doral, Aventura, Surfside, Bal Harbour, and all Miami-Dade communities.
Why Abo Capital for Your Miami 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 Miami?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.