2025 Condotel & Non-Warrantable Condo Financing

Financing just got easier for properties that fall outside the conventional box. The 2025 Condotel, Non-Warrantable Condo, and Co-op Loan Program from Rize Mortgage is the flexible, common-sense solution many Florida buyers and investors have been waiting for.

Program Highlights

✅ Loan sizes up to $5 million—including cash-out refis
✅ New projects with no sold units accepted
✅ Studios, kitchenettes, lock-off rooms, or units under 500 sq ft allowed
✅ Up to 75% LTV
✅ All non-warrantability reasons considered (except structural or construction litigation)
✅ Gifted down payment and reserves allowed (including for investment units)
✅ No seasoning required for cash-out refis with no cash-in-hand cap
✅ LLC closings accepted
✅ No credit, work visa, or foreign national restrictions
✅ Projects with timeshares considered (non-timeshare units only)
✅ Available for primary, second home, or investment use
✅ Pre-approvals for both the borrower and complex
✅ Rush closings available

Ready to finance that perfect unit in Miami, Orlando, or anywhere along Florida’s coast? Whether you’re buying or refinancing, this program offers the kind of speed and flexibility most lenders just can’t touch.