Thank you for coming to the lunch and learn at The Rider Residences. Everything we covered lives on this page, plus the direct line to me when your deal gets real.
Se habla español · Domestic and foreign investors welcome
Ronald Cepeda, The Ohio State University graduate (Economics & Business), Mortgage Loan Originator at Pioneer Mortgage Funding.
Pre-approve BEFORE the contract. Know your financing picture before you sign, not after. It shapes which unit, which deposit schedule, and which program fits you.
Document the deposits. Every deposit needs a clean paper trail from day one. Save the wire receipts and the bank statements the money came from.
Match the loan to the building. Some new buildings fit conventional financing, some need non-QM or condotel programs. We check the building, not just you.
Re-qualify 6 to 9 months before delivery. Construction takes years. We refresh your file as closing approaches so nothing surprises you at the finish line.
Lock and close. When the building is ready, your financing already is. Rate locked, documents in, keys out.
Sell the unit today. Plan the loan today.
The classic route for buildings and buyers that fit the standard rulebook.
For the new buildings standard lenders run from. Our specialty.
The property's rent qualifies the loan, not your tax returns.
Passport instead of a social security number. Very financeable.
Large loan amounts, including creative income structures.
Self-employed? We qualify you on real deposits, not tax returns.
Programs subject to borrower, property, and lender eligibility. Not a commitment to lend.
Domestic buyers: your checklist may look a little different depending on the program. Text me and I will send yours.
Wire funds early. International wires take time and every one needs a paper trail. Move money well before deadlines, never the week of.
Create your LLC. If you plan to buy in an entity, set it up early so the contract and the loan line up cleanly.
Open a U.S. bank account. It makes deposits, reserves, and closing funds dramatically simpler to document.
Have your partners in place. Lender, title, insurance, and agent, all before you need them. A ready team moves at Miami speed.
General information only, not legal or tax advice. Consult a Florida real estate attorney and a CPA.
That final 60% is where the financing comes in. Plan the loan at step one and the last step is just paperwork.
Example schedule only. Every project sets its own deposit schedule.
The full "How to Finance Your Next Pre-Construction Deal" deck as a PDF, yours to keep and share.
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Questions while you read? Text me: 305-785-3915
📄 Download the Presentation (PDF)Payments, cash to close, and investor math, right on my site.
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