Condotel financing doesn’t have to be complicated. We provide qualified local and international buyers with access to lending solutions that traditional banks often can’t offer. Secure up to 70% of the purchase price on a Miami condotel with loans ranging from $300,000 to $10 million, minimal documentation, and a boutique team that guides you from pre-approval to closing—so you can invest confidently, protect your liquidity, and enjoy your second home in one of the most desirable real estate markets in the country.
You will receive a free analysis in 24 hours and boutique support from pre-approval to closing, so you can invest with confidence, maximize your profitability, and protect your assets in dollars.
✓ Up to 70% LTV on investment properties or second homes
✓ Fixed-rate (30-year) and ARM options
✓ Purchase, refinance, or cash-out available
✓ Streamlined underwriting for non-warrantable condos and condo-hotels
✓ Decisions in 24 hours; average closings in 30–45 days
You’re a U.S. citizen or international investor with strong income and assets—yet your bank said no because the property is a condotel. You’re thinking:
“Why is this loan so hard to get?”
“I don’t want to tie up all my cash.”
“I need answers without another paperwork marathon.”
That’s exactly what we deliver—lending built for experienced investors, minus the conventional roadblocks
Miami’s condotel market offers a unique opportunity to enjoy the benefits of luxury real estate while generating passive income. We specialize in tailored loan programs that match the unique structure of condotel properties — making your investment not only possible, but profitable.
Our Condo-Hotel Financing Program is designed specifically for properties that operate as both luxury hotels and individually owned condominiums. These hybrid properties often fall outside traditional lending criteria, but with our expertise, we offer loan solutions that are flexible, fast, and built to support both U.S. and foreign buyers looking to invest in Miami’s most desirable locations.
Non-warrantable condos don’t meet Fannie Mae or Freddie Mac guidelines — but that doesn’t mean financing is out of reach. We offer customized non-warrantable condo loans that make it possible to finance units with unique ownership structures, rental restrictions, or high investor concentration. Ideal for condotel buyers seeking flexible terms and a streamlined approval process.
For high-value condotel purchases that exceed conventional loan limits, our Jumbo Loan programs offer competitive interest rates, higher loan amounts, and flexible documentation options. Whether you’re purchasing a luxury unit in a prime Miami location or refinancing to improve cash flow, our team is ready to guide you through a smooth and strategic financing process.
Discover flexible condotel financing in Miami—tailored for investors seeking prime opportunities in the city’s luxury high-rise hospitality market.
At Miami Lending Advisors, we don’t believe in one-size-fits-all lending. Our boutique approach is built for professionals like Travis—experienced, financially savvy, and too busy for unnecessary friction.
At Miami Lending Advisors, we don’t believe in one-size-fits-all lending. Our boutique approach is built for professionals like Travis—experienced, financially savvy, and too busy for unnecessary friction.
We don’t just offer products—we structure solutions. Whether you prioritize cash flow, tax efficiency, or liquidity, we customize terms around your profile and long-term goals.
Already working with a realtor, financial planner, or CPA? Great—we collaborate directly with your trusted advisors to ensure every financial and legal piece fits seamlessly.
We connect you with vetted agents and properties that are already finance-approved, income-generating, and aligned with your lifestyle.
Our process is fast, secure, and respectful of your time and privacy. We know you’re busy—and that buying a condotel is a major decision. You’ll get transparency at every step, with no guesswork and no surprises.
EXCELLENT Based on 110 reviews Arturo Zapata2025-03-25Trustindex verifies that the original source of the review is Google. “Increíble experiencia con Miami Lending Advisors Mortgage Broker, el equipo mostró profesionalismo, transparencia y una atención al cliente excepcional. Nos brindaron asesoramiento claro y personalizado, la Sra. Claudia y su Asistente la Sra. María son maravillosas, siempre con un servicio de primer nivel, dispuestas a resolver cualquier duda con rapidez y claridad, lo que nos permitió tomar decisiones informadas. Sin duda, recomiendo sus servicios a quienes buscan un broker confiable.” Superaron nuestras expectativas!! Bendiciones. Laura Gonzalez2025-02-28Trustindex verifies that the original source of the review is Google. This mortgage broker was increíble! Superior customer service, expedient responses and a very smooth lending transaction! We will definitely use them again for our next investment property! N Allenger2025-02-27Trustindex verifies that the original source of the review is Google. Miami Lending Advisors did another amazing job with a 1st time home buyer!!! 👏…The client had great seamless experience. Thanks again Claudia and Maria!!! Edwin Meza2025-02-18Trustindex verifies that the original source of the review is Google. As a realtor, it's essential to collaborate with top mortgage brokers to effectively meet clients' needs and successfully close deals. Without hesitation, I can attest to Claudia and her team's exceptional expertise. I recently closed a purchase at SLS Brickell (now DUA) with Claudia's assistance, and the process was seamless. I'm currently working on another deal in the same building, and the client specifically requested Claudia's help with financing. This speaks highly about Claudia's reputation. I am pleased to work alongside her in an industry that demands meticulous attention to detail. Matthew Martineau2025-01-26Trustindex verifies that the original source of the review is Google. The best loan officer a ever made buisness with,,Claudia and maria at miami lending advisors made my home refinance very simple and easy,they were there to help me every step of the way and always available to answer my questions,they also help me find the best home insurance and the best rate possible ,i highly recommend to anyone that need any type of mortgages or loan to contact them. Alejandro Montiel2025-01-09Trustindex verifies that the original source of the review is Google. Maria went above and beyond, extraordinary service!!!! Ricardo Forero2025-01-09Trustindex verifies that the original source of the review is Google. La experiencia fue 200% satisfactoria Claudia y María Pirela, tienen un conocimiento del producto que hace que el proceso fluya de forma correcta y el resultado sea el esperado. Muchas gracias por la gestión. Carlos alberto Perez2024-11-01Trustindex verifies that the original source of the review is Google. I just did a refinance with Miami Lending Advisors on my unit #1007 in Missoni Baia in Edgewater Miami. When I first purchase the unit I had to buy it with a hard money loan as the building was not completely ready and obtaining financing was very difficult. Since then, Miami Lending Advisors has been trying to work on getting the condominium approved by different lenders and today I was able to refinance the hard money loan into a conventional loan with absolutely more favorable terms. This new loan has an interest rate almost 4% lower than the previous saving me thousands of dollars per year. As usual the process with them was fast and smooth and now I am a happy investor in Missoni Baia . JIMMY MEJIA2024-08-22Trustindex verifies that the original source of the review is Google. Fueron muy claras, en conceptos y ayudas con documentación! Amables y muy atentas a resolver nuestras dudas! Gran equipo Yoyis De Mejia2024-08-22Trustindex verifies that the original source of the review is Google. Mejor asesorados imposible !!! Muchísimas gracias.
Applying for a condo hotel loan doesn’t have to be complicated. Whether you’re an experienced investor or purchasing your first vacation rental, we simplify the process with personalized guidance and access to flexible financing options.
Unlike traditional lenders, we work with a variety of specialized programs tailored to condotel properties—whether you’re buying in Miami Beach, Brickell, or beyond. Our goal is to help you secure the right terms for your investment goals and timeline. With just a few documents, we can get you started on a fast track to pre-qualification and help you navigate the condotel financing landscape with ease.
To help us understand your profile and match you with the right condotel financing program, you’ll need just a few basic documents:
Whether you’re just exploring or ready to move forward, we’re here to help you pre-qualify quickly and confidently.
Receive tailored advice and solutions! Fill out this short form and we’ll contact you.
No. Most programs start at a 680 FICO or no credit if you are an international client.
Regular banks follow agency rules that exclude condo-hotels. We partner with portfolio lenders who specialize in this niche.
Typically 30%, depending on the property and program.
Yes—future rental projections can be considered in certain programs.
Pre-approval in 24 hours and closings in 30–45 days on average
We review your file and match you with alternative lenders who understand condotel underwriting.
Legal Disclosure: Miami Lending Advisors LLC is an Equal Housing Lender. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
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