Non-QM Mortgage Specialists • Fort Lauderdale, FL • FL MBR4882
Non-QM Mortgage Loans in Fort Lauderdale — Waterfront, Investors & International
Fort Lauderdale is one of Florida’s most affluent waterfront markets. Marine industry professionals, international buyers, self-employed business owners, and luxury property investors all find the Non-QM programs they need here.
$550K+
Fort Lauderdale median
International
buyers welcome
Marine Industry
income accepted
21 Days
typical close
Fort Lauderdale: Waterfront Real Estate and International Buyers
Broward County sits between Miami’s international glamour and Palm Beach’s quiet luxury, combining aspects of both into a market dominated by waterfront properties, yachting culture, and significant international buyer activity. Median prices in Fort Lauderdale proper exceed $550K, with waterfront homes and islands (Las Olas Isles, Idlewyld, Harbor Beach) commanding $2M to $10M+. The marine industry — the largest yachting market in the world calls Fort Lauderdale home — generates a population of boat captains, marine engineers, and business owners with complex income profiles. Combined with Fort Lauderdale’s significant Canadian and European second home buyer market, Non-QM lending is a central part of this market.
Who We Serve in Fort Lauderdale
- Marine industry professionals: boat captains, yacht crew, marine engineers
- Marine business owners: brokers, yards, charters, equipment dealers
- International and Canadian second home buyers
- Finance, insurance, and professional services business owners
- Healthcare professionals in Broward County health systems
- Restaurant and entertainment entrepreneurs
Fort Lauderdale Investors
- DSCR rental investors in Pompano Beach, Margate, and Coral Springs
- Airbnb hosts near Fort Lauderdale Beach and Hollywood Beach
- Waterfront property buyers using large Non-QM loan programs
- Condo investors in Fort Lauderdale Beach and Hallandale
- Fix-and-flip investors in transitional Broward neighborhoods
- Foreign national buyers purchasing Broward investment property
Non-QM Loan Programs Available in Fort Lauderdale
All programs available for purchase, refinance, and cash-out in Fort Lauderdale and surrounding FL markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Fort Lauderdale borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Fort Lauderdale rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Fort Lauderdale-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Fort Lauderdale-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 Fort Lauderdale-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Fort Lauderdale and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Fort Lauderdale business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Fort Lauderdale market.
Multifamily Commercial
5+ unit apartment and mixed-use financing in Fort Lauderdale and FL.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Fort Lauderdale.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Fort Lauderdale
Can marine industry workers qualify for bank statement loans?
Yes. Boat captains, charter operators, and marine business owners often have variable income that works perfectly under bank statement loan methodology. 12–24 months of deposits show the real picture of their earning capacity.
Do Canadian buyers qualify for Florida mortgages?
Yes. We work with lenders that have foreign national programs for Canadian buyers — one of Fort Lauderdale’s largest buyer segments. Canadian income, Canadian credit history, and cross-border documentation are all handled.
Are there large loan programs for Fort Lauderdale waterfront homes?
Yes. Las Olas Isles, Harbor Beach, and other premium waterfront communities require loans well above conforming limits. We originate Non-QM jumbo loans from $2M to $10M+ for Broward waterfront properties.
What Broward County areas do you serve?
Fort Lauderdale, Pompano Beach, Hollywood, Hallandale, Deerfield Beach, Boca Raton, Coral Springs, Margate, Davie, Miramar, Pembroke Pines, and all Broward County communities.
Why Abo Capital for Your Fort Lauderdale 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 Fort Lauderdale?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.