Jumbo condo financing
High-rise condos in South Beach, Mid-Beach, and Sunny Isles — financed with competitive jumbo rates on warrantable and non-warrantable buildings.
Loan Officer at
Bold Mortgage
Miami Beach · Sunny Isles · Bay Harbor · Surfside
Miami Beach mortgage lender for oceanfront condos and luxury homes.
South Beach, Mid-Beach, Sunny Isles towers, Bay Harbor estates, Surfside family homes — each has its own financing playbook. I structure jumbo, condo, non-warrantable, and DSCR loans for buyers and investors across the barrier islands.
- NMLS #1615071
- Licensed in Florida
- English / Español
Miami Beach Financing
Loans built for the barrier islands
Beachfront condos, non-warrantable buildings, short-term rental properties, and luxury single-family homes all have different financing realities. I navigate them so your closing doesn't stall at underwriting.
Non-warrantable condos
Buildings that don't meet FHA/Fannie Mae guidelines (short-term rentals, low owner-occupancy, active litigation) need specialty programs — typically 20–30% down.
DSCR loans for rentals
Qualify a Miami Beach investment property using projected rental income — no W-2s or tax returns required. Critical for Airbnb-friendly buildings.
Foreign national loans
Miami Beach draws international buyers from across Latin America and Europe. Foreign national programs qualify non-residents with 25–30% down.
Second homes & pieds-à-terre
Financing for seasonal buyers — 20% down conventional, competitive rates on jumbo second homes. Common for Northeast/Midwest buyers wintering on the Beach.
Refinancing
Rate-and-term or cash-out refinancing on Miami Beach condos and single-family homes. Especially useful after post-Surfside condo repairs or special assessments.
Miami Beach FAQ
Miami Beach mortgage questions, answered
Can I finance a non-warrantable condo on Miami Beach?
Yes. Non-warrantable condo loans exist for buildings that don't meet FHA or Fannie Mae guidelines — short-term rental friendly buildings, low owner-occupancy, or buildings with litigation. Typically 20–30% down.
What's the minimum down payment for a Miami Beach condo?
Warrantable: 10% conventional primary, 20% second home, 25% investment. Non-warrantable: 20–30%. Jumbo condos: often 10–20% with strong credit.
Are short-term rental condos financeable?
Yes — through non-QM and DSCR loan programs that qualify on projected rental income rather than personal W-2 income.
How do post-Surfside building inspections affect financing?
Lenders now scrutinize condo association reserves, structural reports, and special assessments more closely. I review HOA financials upfront so surprises don't kill your closing late in the process.
Clients Who Closed
Real families. Real keys.
A few words from Miami Beach homeowners who trusted me with their closing.
"As a real estate broker, I truly value working with lenders who are responsive, knowledgeable, and solution-driven — and Reinier exceeded every expectation. Whenever an obstacle came up, he handled it calmly, professionally, and always had a solution ready. He went above and beyond to get us to the closing table."
"Wholeheartedly recommend working with Reinier. He is client-centered and really cares and it most definitely shows! His moral ethics match his work ethics and both surpassed expectations."
"Our Loan Officer went above and beyond our expectations. His availability was top tier and we would definitely recommend him in the future to my colleagues, friends & family members."
★★★★★ Rated 5.0 on Google
See what my clients are saying.
Verified Google reviews from real South Florida homebuyers and refinance clients.
Get Started
Ready to buy or refinance on Miami Beach?
Start your secure mortgage application through Bold Mortgage — or reach me directly below.
- Phone(305) 492-2404
- EmailRCancio@boldmortgage.io
- Office4960 SW 72nd Ave
Miami, FL 33155 - HoursMon–Fri · 9 AM – 5:30 PM ET