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If you’re shopping for a mortgage in Florida with an ITIN instead of a Social Security Number, you are not playing in the standard Fannie/Freddie/FHA sandbox. You’re in Non-QM / specialty lending, where the rules are lender-made, pricing is higher, and documentation mistakes kill deals fast. Here’s what actually works—and

BRRRR works beautifully on paper. In Miami, it blows up more often—because investors don’t understand seasoning requirements, appraisal reality, insurance volatility, or lender timelines. BRRRR isn’t about buying cheap. It’s about exiting the first loan cleanly and predictably. Here is the real Miami playbook—minus the fantasy math. 1) The BRRRR

If you’re counting on Citizens Property Insurance to make the deal work, you need to treat insurance like a loan condition, not an afterthought. In Miami, insurance is one of the most common reasons closings get delayed or budgets blow up—because the lender won’t fund without proof of acceptable coverage.

Buying an investment property in Miami through an LLC can be smart—but most investors do it for the wrong reasons and then get shocked by the financing terms. The lender doesn’t care about your “asset protection story.” They care about risk, recourse, and exit liquidity. An LLC increases perceived risk,

Refinancing a Florida rental isn’t about finding “the lowest rate.” It’s about choosing the loan type that fits your income documentation, property cash flow, and exit plan. The wrong choice wastes months, triggers underwriting chaos, or boxes you into bad terms. Here’s how DSCR, conventional, and portfolio refis compare—and when

DSCR loans for short-term rentals (STRs) aren’t underwritten like your normal mortgage. The lender usually doesn’t care what you earn from your job. They care whether the property’s income can cover the mortgage payment—and for STRs, the fight is always the same: What income counts, and how do you prove