Condotel Financing in Miami

Q: What’s the minimum down payment?

Typically 30%, depending on the property and program.

Q: How long does the process take?

Pre-approval in 24 hours and closings in 30–45 days on average

For Investors

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.

Why Finance Your Condotel with Us?

✓ 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

We say YES — when banks

Say No

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

Financing Programs for Condotels in Miami

Explore Your Financing Options

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.

Condotel Financing

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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.

Non-Warrantable Condo financing

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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.

Jumbo Loans

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Featured properties with available financing

✓Financing Experts for Local and International Buyers

Fontainebleau Miami
ICON Tower III
Yotel Pad
The Gale
Ritz Carlton
The Elser
W Hotel
Four Season
Saint Regis

Discover flexible condotel financing in Miami—tailored for investors seeking prime opportunities in the city’s luxury high-rise hospitality market.

Our Boutique Approach

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.

Personalized, concierge-style service:

Tailored loan structuring:

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.

Expert collaboration with your team:

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.

Access to exclusive insights and listings:

We connect you with vetted agents and properties that are already finance-approved, income-generating, and aligned with your lifestyle.

Efficiency and discretion:

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.

Testimonials or social proof

      EXCELLENT  
   Based on 141 reviews 
    
 
 
 
   
 
 
       Posted on Google  
   
   Mary Beltran 
 
 
 
 Trustindex verifies that the original source of the review is Google. The Miami Lending team is top of the line in terms of expertise, professionalism and RESULTS!! they do deliver without delays or drama. They enjoy what they do and they do it right. Love them 😇😊
  
 
      Posted on Google  
   
   Ignacio Smith 
 
 
 
 Trustindex verifies that the original source of the review is Google. Fueron de gran ayuda durante el proceso de obtención del crédito y durante todo el proceso de cierre, en nuestro caso se presentaron varias dificultades y siempre tuvieron la mejor disposición para ayudarnos a encontrar soluciones.
Me siguen ayudando con algunos detalles incluso meses después del cierre.
  
 
      Posted on Google  
   
   Jana Krupoff 
 
 
 
 Trustindex verifies that the original source of the review is Google. From start to finish, Miami Lending Advisors did an incredible job. I was in a difficult situation, having bought new construction and needing an asset-based loan. Claudia Castano, the founder of Miami Lending Advisors, introduced me to her incredible team, who worked around the clock to cover every aspect of my situation. Maria ensured that I got the best rate, and that I would receive the loan exactly when I needed it. My attorney kept telling me this was never going to happen this fast, and Maria produced a miracle. The whole team was attentive to every one of my needs, calming and reassuring me whenever I got nervous, and stepping in to handle last-minute issues along the way. They made what usually feels difficult feel easy. I can't recommend them enough — they are the best in the industry, and I will forever be grateful.
  
 
      Posted on Google  
   
   Nicolas Hoyos 
 
 
 
 Trustindex verifies that the original source of the review is Google. I had a great experience working with Miami Lending Advisors for a second mortgage on my home. The entire team was professional, efficient, and communicative throughout the process. Everything went smoothly from start to finish, and the loan closed without a single hiccup. I truly appreciated how easy they made the experience. I highly recommend them to anyone looking for a knowledgeable and reliable lending team
  
 
      Posted on Google  
   
   antonio bustos 
 
 
 
 Trustindex verifies that the original source of the review is Google. Nuestra experiencia fue muy buena, saben lo que hacen, son ágiles, brindan información adecuada, muy buena comunicación. Tomar crédito en USA para extranjeros no es fácil y lo logramos en un tiempo récord.
Los recomendó 100%, Claudia y María son maravillosas.
  
 
      Posted on Google  
   
   William Manning-Marshall 
 
 
 
 Trustindex verifies that the original source of the review is Google. It was a pleasure to work with Maria and Claudia on my home loan. Any time I had a question on the loan, Maria was always a quick phone call away. Miami Lending Advisors will be the first place I call for any future loans.

How to Get Started

Complete the short form below.
Speak with a senior advisor to outline your goals. We are here to help!
Receive a personalized loan scenario and property match.
Close with confidence—we handle the details while you focus on the big picture.

Start Your Investment Today

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:

Valid ID or passport
Last 2 years of tax returns or 2 months of bank statements
Recent credit report (we can help you pull one)
Purchase agreement or property details (if already selected)

Whether you’re just exploring or ready to move forward, we’re here to help you pre-qualify quickly and confidently.

Complete the form below

Receive tailored advice and solutions! Fill out this short form and we’ll contact you.

FAQ Condotel Financing

Do I need perfect credit to qualify?

No. Most programs start at a 680 FICO or no credit if you are an international client.

Why did my bank reject my condotel loan?

Regular banks follow agency rules that exclude condo-hotels. We partner with portfolio lenders who specialize in this niche.

What’s the minimum down payment?

Typically 30%, depending on the property and program.

Can I use rental income to help me qualify?

Yes—future rental projections can be considered in certain programs.

How long does the process take?

Pre-approval in 24 hours and closings in 30–45 days on average

What if I was already turned down elsewhere?

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.
“Not for use by New York borrowers”

Licensed by the Florida Office of Financial | Regulation Mortgage Broker | License # MBR6170 NMLS ID # 2467822 | NMLS Consumer Access