RESIDENTIAL · COMMERCIAL · PRIVATE CAPITAL · 25+ YEARS
Turn the Property You Want Into the Property You Own
Your opportunity shouldn’t be limited by one lender’s box. With 126 lenders. More ways to make ownership happen.
For business owners, foreign nationals, expats, Gulf investors, and buyers across Florida.
The mortgage isn’t the destination. Owning what’s next is.
- 25
- Years in the Market
- 126
- Lending Partners
- 14
- Florida Markets
Rafael Amaro
Private Capital Strategist · NMLS 1976196
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 Readiness Assessment
Answer a few questions and see where your scenario stands, score, gaps, and the programs that fit. Educational, no credit pull.
Six Specialized Programs
Capital for the Deals Others Won't Touch
126 lenders. One broker who reads your full picture, residency, structure, income and assets, before deciding how the deal gets financed.
Dubai · Abu Dhabi · Saudi Arabia · Kuwait · Qatar
Your Portfolio Spans Borders. Your Florida Mortgage Should Not.
Twenty-five years of relationships that make cross-border Florida real estate simple for Gulf-based principals, no explanations owed to a bank that doesn't understand your structure.
- No US Income Required
- Foreign income, UAE salary, or business distributions qualify through our portfolio lender network.
- No US Credit File
- International credit references and asset statements stand in place of a US bureau score.
- Funds Wired From Abroad
- Down payment from abroad is standard. No US bank account required at any stage.
Where We Lend
Florida Markets
Bal Harbour
One square mile. Ocean-front exclusivity. The most concentrated ultra-luxury address in South Florida.
View →Brickell
Miami's financial capital. Glass towers. Corporate relocations. Where New York money moves to pay no income tax.
View →Coconut Grove
Miami's oldest neighborhood. Banyan canopies. Sailboats on the bay. Understated old-money living.
View →Coral Gables
Mediterranean estates. Generational wealth. The most architecturally protected address in South Florida.
View →Jupiter
Bear's Club. The Loxahatchee. Oceanfront estates. Palm Beach quality without Palm Beach formality.
View →Key Biscayne
Barrier island connected by one causeway. International community. Crandon Park. Absolute separation.
View →
Educational Deep Dives
The Learning Library
How private-capital underwriting actually works, qualification math, documentation, entity structure, insurance and closing economics.
Browse the learning library →Asset Depletion Financing: Qualifying on Wealth Instead of Income
How lenders convert liquid and retirement assets into qualifying monthly income, eligible account types, haircuts and seasoning rules.
View →Bank Statement Income: How Underwriters Calculate What You Earn
How 12- and 24-month bank statement programs derive qualifying income, expense factors, P&L support and the documentation that holds up.
View →Buying Florida Property Through an LLC or Trust
Vesting choices, operating agreement and trust certification requirements, guarantees, title and the lending consequences of each structure.
View →
Market Intelligence
Private Briefings
Bank Statement Mortgage in South Florida: The Complete Guide for Self-Employed Buyers
How documented deposit history replaces tax returns for self-employed buyers, business owners, and entrepreneurs.
View →CU-10 Work Permit Mortgage in South Florida: What Cuban Adjustment Act Beneficiaries Need to Know
Mortgage qualification for Cuban nationals on CU-10 work authorization, conventional and non-agency paths, credit building, and documentation.
View →DSCR Investor Loans in South Florida: Qualify on the Property, Not Your Income
The complete guide to Debt Service Coverage Ratio financing for South Florida real estate investors.
View →
Referral Partners
Built for the Professionals Who Serve Affluent Clients
CPAs, estate attorneys, wealth managers and private bankers bring Rafael their most complex clients, the ones no standard lender can accommodate.
CPAs & Tax Advisors
Your clients need structure that respects their tax position. Rafael engineers it.
Estate Attorneys
Complex ownership structures, LLC, trust, foreign entity. Rafael navigates them all.
Wealth Managers
Keep assets deployed. Structure the mortgage so liquidity stays in your hands.
Private Bankers
When your client's deal falls outside the credit box, Rafael closes what your desk can't.
Client voices
Trusted by buyers and investors
Clients who needed more than a traditional loan, in their own words. Recorded, unedited, and mostly in Spanish.
"I had spoken with several lenders and there was no way I could buy. After I contacted Rafael I closed on my house, with zero dollars of down payment. When I buy my second, third and fourth, I am doing it with him."
Homebuyer, South Florida · speaking in Spanish
"It was my first property and the process was fast, with no mistakes. I had worked with a lender before and it was not this good. The best experience. I recommend him one hundred percent."
First-time buyer · speaking in Spanish
"If you are thinking about buying a property, I recommend Rafael Amaro. He will make the process safer, easier and faster. The best in Palm Beach County and in all of Florida."
Buyer, Palm Beach County · speaking in Spanish
"This was a group effort and we did it. We finally did it, and this is my home sweet home thanks to you guys."
Lazaro, closing day · speaking in English
Press play, sound on
Ready to Structure the Impossible?
A 20-minute strategy call. No obligation. Rafael will tell you exactly if we can solve it, and how.
Rafael Amaro · NMLS 1976196 · Wealth Growth Partners · Equal Housing Lender