Condo Loans Florida | Condotels & Non-Warrantable OK | Ronald Cepeda
Pioneer Mortgage Funding · Condo Lending

Florida Condos Are Our Specialty. Warrantable or Not.

Condo-hotels, Airbnb buildings, non-warrantable projects, litigation buildings — the condos that make banks nervous are exactly where we do our best work.

✓ Condotels OK✓ Non-warrantable OK✓ Short-term rental buildings OK
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Why This Program

Built for exactly your situation

1

Condotel Programs

Condo-hotel units — the ones with front desks and rental programs — have dedicated financing with our specialty lenders.

2

Non-Warrantable Approvals

Investor-heavy buildings, litigation, single-entity ownership issues — we know which lender says yes to which problem.

3

Airbnb-Friendly Buildings

Buying in a building zoned for short-term rentals? DSCR and Non-QM options make the deal work.

4

Building Review Up Front

We assess how lenders will view your building before you're under contract — no surprises at day 25.

Client Scenario

The condo-hotel unit three banks declined

Robert wanted a Miami Beach condo-hotel unit as a vacation home that earns income when he's away. Three banks declined the moment they saw 'condotel' — front desk, rental program, the works. We placed it with a specialty lender that finances condo-hotels every week. 25% down, standard docs, and the unit now pays for itself most of the year.

$390K
Purchase Price
25%
Down Payment
33
Days to Close

Illustrative scenario based on real client situations; names and details changed for privacy. Individual results vary. All loans subject to approval.

The Process

Three steps to the closing table

1

Send the Building & Unit

Address and unit number — that's all we need to start the assessment.

2

We Vet the Project

Budget, insurance, ownership mix, litigation — we identify the landmines before a lender does.

3

Close With the Right Lender

Your file goes straight to a lender that approves this building type. No wasted applications.

Client Reviews

100+ five-star Google reviews

★★★★★

"Ronald closed us in less than 30 days! Everything was done on time and no questions left unanswered."

— Javier Gonzalez
★★★★★

"He went above and beyond to get my client approved. Incredibly knowledgeable and makes himself available."

— Leticia Malcolm
Read all reviews on Google →
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Ronald Cepeda

Ronald personally reviews every inquiry —
expect a call or text the same business day.

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Common Questions

Condo Lending FAQ

What makes a condo non-warrantable?

Common triggers: high investor concentration, one entity owning too many units, pending litigation, inadequate reserves, or hotel-like operations. Each has a lender solution.

Can you finance a condo-hotel?

Yes — condotels are one of our core specialties, with lenders whose programs are built specifically for them.

What about buildings with pending litigation?

Depends on the nature of the litigation, but many cases are financeable with the right lender. Send us the building and we'll tell you quickly.

What down payment should I expect?

Warrantable condos follow normal guidelines (as low as 3–5%). Non-warrantable and condotel programs typically start around 20–25% down.