Put 30% down. Let your tenant cover the rest.

If you have unlimited capital, cash purchases are cleaner. The 30/70 model exists for buyers who'd rather put $260k into one financed Miami property than $710k into the same single asset. Borrowed capital amplifies appreciation; in our base case, your $259,300 returns 16.3% in Year 1 instead of ~5% on an all-cash purchase.

Florida is a landlord-favorable state, eviction typically completes in 4–8 weeks. Our property-management partner advances rent while eviction proceeds in qualified cases, then pursues recovery. We also screen with credit + income + employment + prior-landlord checks; default rates in our managed inventory have run below 2%.

Yes, but only at fair-market rent backed by a written lease. Below-market rent to family members can be reclassified by the IRS as personal-use and disqualify rental deductions. Our lawyer-reviewed family-lease template is included for buyers who choose this route.

If you stay more than 14 days or 10% of rented days (whichever is greater), the IRS treats it as a residence, many deductions disappear and the cashflow model breaks. The 30/70 model is for fully-rented investment use. For mixed use, talk to us about a different structure.

Cashflow Home is built around long-term leases (typically 12 months). Short-term rental yields more on paper but adds operational complexity, higher vacancy, building restrictions, FL state taxes and licensing. We can structure short-term too, but it isn't the default, and isn't what these numbers reflect.

Not directly, EB-5 requires investment in a designated commercial project, not residential real estate. But many of our clients hold both: Cashflow Home for personal wealth, EB-5 for residency. See our EB-5 guide for the residency path.

Yes. Foreign National loan programs are widely available in Miami at 30% down with rates currently around 6.25%. You'll need a passport, a US bank account (we help open one), and 6–12 months of reserves. ITIN borrowers have separate programs at slightly higher rates.

Our brokerage commission is paid by the seller in most new-construction transactions. For services beyond brokerage, sourcing, furnishing coordination, ongoing oversight, we agree on a flat or success-based fee in writing before engagement. No hidden margins.

Yes. Most Foreign National loans allow refinancing after 6–12 months without prepayment penalty. A 1% rate drop on a $497k loan saves you about $325/month. We'll flag refinancing windows as part of ongoing oversight.

You can sell any time. Below 24 months of ownership, you'll likely face short-term capital gains rates instead of the lower long-term rate. FIRPTA withholding applies for non-US sellers. We recommend a 3+ year hold so appreciation and amortization outweigh closing costs.

Yes, and many of our clients do. Foreign National lenders typically cap at 4–6 financed investment properties per borrower. We coordinate so each new property meets the same 30/70 underwriting before adding it.

Lenders typically require 6 months of full carrying costs in reserves at closing, roughly $30,000 for our base case property. We strongly recommend keeping 12 months for peace of mind, and we factor that into eligibility before recommending purchase.