Beyond Traditional Lending
Find the Right Financing Strategy for Your Next Property
I help qualified buyers, investors, and foreign nationals structure financing for U.S. real estate. Schedule a free consultation and let’s review the right option for you.
From First Call to Funded
Your Financing Roadmap Starts Here
01.
STRATEGY CALL
Do your strategy consultation call with professionals
02.
PRE-APPROVAL
A loan pre-approval sets you up for a smooth home buying experience.
03.
SHOP
Start working with a real estate agent and viewing homes.
04.
LOAN PROCESSING
05.
UNDERWRITING
They closely evaluate all the documentation in the loan package.
06.
CLOSING
Documents are drawn and sent to the title company for closing.
Start the journey now
Look Beyond the Loan. Build the Right Strategy.
Not every borrower fits inside a traditional lending box. That is why I take a deeper look at your full financial picture before recommending a financing option. I help you evaluate:
Traditional and alternative lending solutions
Cash flow, assets, and income structure
Investment property or primary residence goals
Timing, flexibility, and long-term strategy
The best path to move forward with confidence
Complex Lending Specialist
Rafael Amaro
Loan Officer
NMLS# 1976196
Born in Cuba, I have spent more than 25 years helping entrepreneurs, investors, foreign nationals, and high-level buyers navigate financing situations that traditional banks often do not fully understand.
From DSCR loans and foreign national programs to bank statement loans, jumbo financing, asset-based strategies, and private lending options, I help my clients find solutions built around their real financial profile and long-term real estate goals.
Fluent in English and Spanish, with conversational knowledge of Portuguese and Russian, I work with clients from different markets who need a strategic, discreet, and experienced lending advisor by their side.
Capital for the Deals Others Won’t Touch
Six specialized programs. 126 lenders. One broker who understands your full picture.
Foreign National
No US credit history. No US tax return. International income and assets qualify. Purpose-built for Gulf investors, Latin American principals, and European family offices acquiring Florida real estate.
All Work Permits
Eligible for special programs. Purchase with a valid US work authorization, no green card required. Available to H-1B, L-1, O-1, TN, and other visa classes at any stage of residency.
DSCR Loans
Qualify on rental income, not personal income. Minimum DSCR 0.75. Preferred structure for investors acquiring income-producing Florida properties at any scale.
Bank Statement
12 to 24 months of deposits as qualifying income. Designed for self-employed principals whose tax returns understate their true financial capacity.
Private Capital
Flexible capital solutions for investors, business owners, and high-level buyers whose opportunities require speed, strategy, and financing beyond traditional bank guidelines.
Asset Depletion
Convert investable assets into qualifying monthly income. Ideal for retired executives, family trust beneficiaries, and principals whose wealth is held outside earned income.
Trusted by Buyers & Investors
Hear from clients who needed more than a traditional loan and found the guidance, strategy, and clarity to move forward.