South Florida · West Coast Florida · Private Capital · 25 Years

When Goldman Says No,
We Structure a Path

126 lenders. Foreign nationals, Gulf investors, self-employed principals, and estate-class buyers across South Florida and the West Coast’s most consequential markets.

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Years in Market

Lending Partners

Languages Served

0.00

Min DSCR Ratio

All

Work Permits Eligible

"I’ve closed deals every other broker said were impossible."

Structuring deals others won’t touch

Born in Cuba. 25 years navigating the complexity where traditional lenders stop. Foreign national programs, all work permits eligible for special programs, DSCR structures — Rafael has spent a career making the unfundable fundable.

Business fluent in English and Spanish, conversational in Portuguese and Russian. His clients include Gulf investors, Latin American principals, European family offices, and South Florida estate buyers who need a broker who understands their world.

English · Spanish · Portuguese · Russian

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.

Estate & Portfolio Capital

Private jumbo structures for estate-class buyers. Portfolio lending calibrated to complex wealth profiles rather than standard income analysis — no agency conforming limits.

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.

Estate-Class InteriorsPrivate financing for the homes others can't touch

South Florida's Premier MarketsFrom Brickell to Bal Harbour — we know every corridor

Waterfront. Structured. Funded.126 lenders behind every impossible deal

Dubai · Abu Dhabi · Gulf Region

Your Portfolio Spans Borders.

Your Florida Mortgage Should Not.

Rafael has spent 25 years building the relationships that make cross-border Florida real estate seamless for Gulf-based principals. No US income. No US bank account. No explanations owed to a bank that doesn't understand your structure.