Non-QM Mortgage Specialists • Naples, FL • FL MBR4882
Non-QM Mortgage Loans in Naples & Southwest Florida — Luxury & Retirement Financing
Naples, Marco Island, and Southwest Florida attract some of the wealthiest buyers in the country — retirees with significant assets, luxury second home buyers, and STR investors on the Gulf Coast. We have programs that match the Naples market.
$750K+
Naples median price
Asset Depletion
for retirees
Gulf Coast STR
strong vacation market
35+ Years
FL experience
Southwest Florida’s Affluent Real Estate Market
Naples consistently ranks among the wealthiest small metro areas in the US, with median home prices above $750K and luxury waterfront properties in Port Royal, Aqualane Shores, and Pelican Bay exceeding $5M–$20M+. The buyer profile here skews strongly toward retirees, wealthy snowbirds, and second home purchasers — all of whom often lack traditional W-2 income but have substantial wealth. The broader Southwest Florida market — including Fort Myers, Cape Coral, Estero, Bonita Springs, and Marco Island — offers a wider price range and is a top destination for Gulf Coast vacation rental investment. Cape Coral, with its extensive canal system, is one of the most active DSCR and STR investment markets in the state.
Southwest Florida Buyer Profiles
- Retirees qualifying via asset depletion (large portfolios and retirement accounts)
- Snowbird second home buyers from the Northeast and Midwest
- High-net-worth buyers purchasing luxury Naples and Marco Island homes
- Self-employed professionals and business owners purchasing second homes
- Estate and trust beneficiaries purchasing Naples vacation property
- Former executives with complex deferred compensation structures
Southwest Florida Investors
- DSCR rental investors in Cape Coral and Fort Myers
- Gulf Coast STR investors in Fort Myers Beach, Sanibel, and Marco Island
- Luxury vacation rental investors in Naples and Pelican Bay
- Multifamily investors in Fort Myers and Lehigh Acres
- Fix-and-flip investors in Fort Myers and North Fort Myers
- Commercial investors along US 41 and the Fort Myers business corridor
Non-QM Loan Programs Available in Naples
All programs available for purchase, refinance, and cash-out in Naples and surrounding FL markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Naples borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Naples rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Naples-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Naples-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 Naples-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Naples and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Naples business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Naples market.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Naples.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Naples
Can retirees without income qualify for a Naples mortgage?
Absolutely. This is our most common Naples scenario. Asset depletion converts investment portfolios, IRAs, and retirement accounts into qualifying monthly income without requiring a job or regular salary.
Are there large loan programs for Naples luxury homes?
Yes. For Port Royal, Aqualane Shores, Pelican Bay, and other Naples luxury communities, we originate Non-QM jumbo loans from $2M to $15M+ through portfolio lenders with appropriate flexibility for high-net-worth borrowers.
Is Cape Coral a good market for STR investment?
Yes. Cape Coral’s canal-front homes are popular vacation rentals on VRBO and Airbnb. We document STR income using AirDNA projections for Cape Coral addresses and underwrite on a DSCR basis.
What areas in Southwest Florida do you serve?
Collier County (Naples, Marco Island, Everglades City), Lee County (Fort Myers, Cape Coral, Bonita Springs, Estero, Sanibel, Fort Myers Beach), and Charlotte County (Port Charlotte, Punta Gorda).
Why Abo Capital for Your Naples 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 Naples?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.