"I've closed deals every other broker said were impossible."
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.
Six specialized programs. 126 lenders. One broker who understands your full picture.
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.
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.
Qualify on rental income, not personal income. Minimum DSCR 0.75. Preferred structure for investors acquiring income-producing Florida properties at any scale.
12 to 24 months of deposits as qualifying income. Designed for self-employed principals whose tax returns understate their true financial capacity.
Private jumbo structures for estate-class buyers. Portfolio lending calibrated to complex wealth profiles rather than standard income analysis — no agency conforming limits.
Convert investable assets into qualifying monthly income. Ideal for retired executives, family trust beneficiaries, and principals whose wealth is held outside earned income.
Dubai · Abu Dhabi · Gulf Region
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.
Foreign income, UAE salary, or business distributions qualify through our portfolio lender network.
DIFC-held securities, Cayman structures, and offshore portfolios count toward qualification.
UAE LLCs, offshore holdings, and family trusts — every structure closes with the right lender.
Down payment from abroad is standard. No US account required at any stage.
Dubai · Abu Dhabi · Saudi Arabia · Kuwait · Qatar
Private Briefings
15 in-depth briefings covering foreign national financing, self-employed lending, DSCR investment strategies, and South Florida market intelligence.
South Florida is one of the most active international real estate markets in the world. The buyers who move through it arrive with substantial capital and genuine purchase intent. What they do not arrive with is a US credit file. Here is every path to qualification.
A UAE-based principal. Three declined lenders. Six days to contract expiration. Here is how that deal closed — and the qualification path Gulf investors actually use.
South Florida is the financial capital of Latin America. The buyers are sophisticated, their capital is real — and their documentation does not map to the US system. Here is what works for Colombian, Venezuelan, Mexican, and Brazilian buyers.
CPAs, estate attorneys, wealth managers, and private bankers bring Rafael their most complex clients — the ones no standard lender can accommodate.
Your clients need structure that respects their tax position. Rafael engineers it.
Partner With UsComplex ownership structures — LLC, trust, foreign entity. Rafael navigates them all.
Partner With UsKeep assets deployed. Structure the mortgage so liquidity stays in your hands.
Partner With UsWhen your client's deal falls outside the credit box, Rafael closes what your desk can't.
Partner With UsA 20-minute strategy call. No obligation. Rafael will tell you exactly if we can solve it — and how.
Request Your Strategy Call
