One relationship. Property, financing, and strategy.
Private-client representation for buyers of Miami’s new and pre-construction residences — with the financing designed at the same time.
Buying a new or pre-construction residence in Miami involves two decisions that are usually handled by two different people who never speak to each other: which property, and how it gets paid for. That gap is where buyers get hurt — a deposit schedule that outruns their liquidity, an income profile that underwrites today but not at delivery, a building whose association or insurance history quietly makes financing harder.
Sam Razavi is both a Florida real estate broker and a licensed mortgage loan originator. That is an unusual combination, and it is the entire point of this desk: property strategy and financing strategy designed together, by one person who is accountable for both.
Two doors, one advisor
Property representation runs through NEO Remarketing — buyer representation, market and building diligence, negotiation, and where relevant, registration with a development so your interests are represented inside their process rather than the developer's sales team representing both sides.
Financing strategy runs through Optima Financing — jumbo, foreign national, self-employed and bank-statement, investor DSCR, and portfolio structures, arranged across more than fifty wholesale lenders.
Who this is built for
California and out-of-state buyers acquiring in Florida. Self-employed buyers and business owners whose tax returns understate their real capacity. International buyers without US credit history. Investors evaluating a unit on its numbers rather than its finishes. And anyone weighing a pre-construction reservation who wants the deposit and financing math done honestly before signing.
How the first conversation works
It starts with a short Property Discovery — what you are trying to accomplish, the budget and liquidity behind it, and the timeline. From there you get a written point of view: which submarkets and product types actually fit, what the deposit exposure looks like, and what financing will realistically be available when the building delivers. No obligation, and no cost.
Questions buyers ask
What does private-client representation actually mean?
It means the work starts before the search. Sam builds a written brief around your goals, budget, liquidity and timeline, then evaluates properties against that brief instead of sending listings. Because he is also a licensed mortgage originator, the financing question gets answered at the same time rather than months later.
Can you represent me on a new-construction or pre-construction purchase?
Yes, subject to each project's own broker registration rules. Most Miami developments require your broker to be registered before your first contact with their sales gallery — if you walk in unregistered, many developers treat you as a house customer and your broker is excluded. Talk to Sam before you visit, not after.
Do I need financing arranged before I reserve a pre-construction residence?
You do not need a loan approval to reserve, because closing may be three or four years away. What you do need is a realistic view of the deposit schedule, which is cash, and an honest read on whether your income and asset profile will still underwrite at delivery. That review is free and takes one conversation.
Do you work with international and out-of-state buyers?
Yes. A large share of Miami new-development demand is from California, the Northeast, Latin America and Europe. Sam is licensed in both California and Florida, and arranges foreign-national and self-employed financing through Optima Financing, so a cross-border or cross-state purchase does not need three separate advisors.
Begin Property Discovery Design my financing strategy
NEO Remarketing LLC · FL #CQ1065196 · CA DRE #01933447. Equal Housing Opportunity. NEO Remarketing is an independent brokerage and is not the sales agent for, or affiliated with, any development named or referenced by clients. Buyer representation on a new-development purchase is subject to that project’s broker registration requirements.