Owner Financing Homes in Miami, FL
Yes, you can buy owner financing homes in Miami and across South Florida without a bank loan. Pick the home, close with a title company, and the deed is in your name.
- Miami-Dade and Broward County
- Freddy's home market, and he speaks Spanish fluently
- Deed in your name at closing
See if you qualify
Takes about a minute. Freddy replies within 24 hours.
- Deed in your name at closing
- No balloon payment
- No minimum credit score
- ITIN holders welcome
Who this works for in Miami
South Florida is where Freddy lives and where the program started. It's also where some of the hardest working buyers in the country get told no by a bank.
Families from Latin America and the Caribbean
Many South Florida buyers have years of savings and steady work but an ITIN instead of a Social Security number, or a credit history that stayed in another country.
Small business owners
Contractors, salon owners, truckers and restaurant owners run on real revenue and big write-offs. Bank statements show what you earn better than a tax return does.
Hospitality, port and airport workers
Hotels, cruise lines, PortMiami and MIA employ thousands on tips and shift pay. That income counts here.
Renters ready to stop paying someone else's mortgage
South Florida rents are some of the highest in the country. A down payment can turn that money into ownership.
What a Miami home costs right now
Source: Redfin housing market data, three months ending September 2026.
The city of Miami's median sale price was about $650,000 in September 2026, and homes took about 113 days to sell at about 95 percent of list. Miami has more sellers than buyers right now, which gives a buyer real leverage on price.
Most families we help buy outside the city's expensive core, in places like Hialeah, Kendall, Homestead and Miami Gardens, or in Broward towns like Pembroke Pines and Miramar. At 20 percent down, a $400,000 home needs $80,000.
Where in Miami we help buyers
In Miami-Dade we work in Hialeah, Kendall, Westchester, Miami Gardens, North Miami, Cutler Bay and Homestead. In Broward we work in Pembroke Pines, Miramar, Hollywood, Davie, Plantation, Sunrise and Fort Lauderdale. Miami-Dade deeds are recorded with the Miami-Dade Clerk of the Court and Comptroller. Broward deeds are recorded with Broward County's Records Division.
For closing costs and tax breaks that apply across the state, see owner financing in Florida.
Three steps to your Miami home.
What buying in Miami looks like from first call to keys.
Get your letter
Freddy meets South Florida buyers in English or Spanish, reviews income and savings, and gives you a letter good for 12 months.
Pick three homes in Dade or Broward
Single-family homes, townhomes or condos. With homes sitting close to four months, we push hard on price.
Close with a South Florida title company
The title company records your deed with the county, and you get the keys.
Tips for buying in Miami
If you're looking at a condo, read the association's reserve study and ask about special assessments. Florida's condo safety law requires inspections and reserves that have raised fees in many older buildings.
Remember the Miami-Dade doc stamp difference. Deed stamps in Miami-Dade run $0.60 per $100 instead of the $0.70 used in the rest of Florida, which shows up on your closing statement.
Owner financing vs rent to own in Miami
In South Florida, rent to own offers often come from landlords who want a big option payment up front. If the landlord falls behind on their own mortgage, or simply changes their mind, the tenant can be out the money and the house.
Owner financing records the deed in your name at closing, in Miami-Dade or Broward. You file for Florida's homestead exemption with the county property appraiser, and your payments are tracked by a third-party servicer you can check online.
See every difference side by side on owner financing vs rent to own.
Cash to close on a Miami home
Starts at Miami's September 2026 median sale price. Slide to the price of the homes you're looking at.
The program starts at $250,000 and has no upper limit. Down payments are normally 20 percent, with exceptions reviewed one by one. There's no application or origination fee.
- Down payment (20%)
- Closing costs (2% to 3%)
- Amount financed
Estimate only. Closing costs vary by state and are listed on your closing statement before you sign.
Your Miami contact
- In real estate since 2010
- Finance degree, FIU
- 20+ families into homes since 2024
- Based in Fort Lauderdale, FL
- Speaks Spanish fluently
This is Freddy's home market. He lives in South Florida, speaks Spanish, and handles Miami-Dade and Broward deals himself.
In South Florida, Freddy is local. He knows which Dade and Broward neighborhoods fit a budget, and he can sit down with you in English or Spanish.
"If you can afford the house, there should be a path to it."
Freddy E.Founder, Sold With Financing
See if you qualify for a Miami home.
Tell us where in Miami-Dade or Broward you want to live and what you can put down. Freddy will reach out within 24 hours, in English or Spanish.
- Deed recorded with the Miami-Dade Clerk of the Court and Comptroller.
- Homes from $250,000 in Miami-Dade County and nearby towns.
- You can apply for the Florida homestead exemption, worth up to $50,000 off your taxable value.
- No minimum credit score.
See if you qualify
Takes about a minute. Freddy replies within 24 hours.
Miami owner financing questions
Can I buy a home in Miami with owner financing?
Yes. Pick a home in Miami-Dade or Broward from $250,000 up, we negotiate the price and terms, and a title company records the deed in your name at closing.
Do you cover Fort Lauderdale and Pembroke Pines?
Yes. In Broward we work in Pembroke Pines, Miramar, Hollywood, Davie, Plantation, Sunrise and Fort Lauderdale.
Can I buy a condo with owner financing?
Often, yes. We review the association's finances and any upcoming assessments with you first, because Florida's newer condo safety rules have pushed fees up in many older buildings.
¿Hablan español?
Sí. Freddy atiende a compradores en español y en inglés.
How much down do I need in South Florida?
Normally 20 percent, with exceptions reviewed one by one. On a $400,000 home, 20 percent is $80,000.
Can I qualify with an ITIN?
Yes. ITIN buyers are accepted, and decisions aren't based on credit.
Ready to own in Miami?
Find out in about a minute whether the program fits you.