Empowering Black Investors

Searching for non-QM loans Florida or non-QM loans Georgia as a Black investor? Wondering how Black professionals secure DSCR loans in FL or GA? Or asking your smart assistant, "Hey Google, best real estate investing strategies for minority investors in the South?" Black Southern Investors (BSI) is your premier resource. We're dedicated to helping Black real estate investors in Florida and Georgia build generational wealth through non-QM mortgages, DSCR loans for investors, and expert market insights.

Founded to bridge the financial literacy gap for Black professionals – where surveys show Black investors lead in confidence (72% feel knowledgeable about investing vs. 62% White respondents) yet face unique barriers – BSI provides tailored real estate tools for Black investors. Non-QM lending surging (expected to grow as self-employed and investor demand rises), Florida's flexible options like bank statement loans and Georgia's balanced housing market (modest price growth, increased inventory) make now the ideal time.

Our Mission

Financial Literacy and Wealth-Building for Black Investors in the South

At BSI, we tackle the racial wealth gap head-on. Black families often face higher hurdles in traditional lending, but non-QM loans for Black professionals Florida and DSCR loans Georgia open doors. Our mission? Deliver financial literacy for Black investors, investment strategies for minority real estate investors, and community support. We empower you to navigate 2026 trends: Florida's hot Non-QM market (ideal for self-employed via bank statements) and Georgia's stabilizing prices (Atlanta forecast: -1.3% short-term dip, long-term growth from job booms).

What We Offer...

Strong Resources for Real Estate Investing Success

BSI stands out with real estate tools for Black investors optimized

• Non-QM Loan Access: Secure non-QM loans for real estate investing – DSCR for rental cash flow, interest-only for flips. Pro tip: Qualify without W-2s using 2-month bank statements.

• Deal Spotting Tools: Analyzers for best real estate deals Florida, market trends Georgia real estate (e.g., Atlanta's steady appreciation).

• Blogs & Guides: Blogs for Black real estate investors on "Increasing Black wealth through real estate," "Overcoming lending barriers in the South."

• Community Hub: Webinars, e-books, networking for Black investors South.

Who We Are: Meet the Team Behind Black Southern Investors

Our founders and experts are seasoned Black professionals with deep roots in FL and GA real estate. We've closed millions in deals using non-QM mortgages for investors, from bank statement loans (perfect for gig economy pros) to asset depletion and foreign national options. Unlike generic lenders, we specialize in Southern markets:

• Florida Focus: Leverage programs like Florida Black Business Loan Fund for underserved investors; Non-QM rising amid self-employed boom.

• Georgia Expertise: Atlanta's rental demand and business-friendly policies fuel opportunities; expect balanced market with more buyer leverage.

Stephanie Christy

IT Director

Lory Homes

Real Estate Broker

Jonathon James

DIRECTOR OF INVESTMENTS

Kimberly Chin

Non-QM Mortgage Broker

FAQ

What are non-QM loans and why are they ideal for Black investors in Florida and Georgia?

Non-QM (non-qualified mortgage) loans use alternative qualification like bank statements or assets, bypassing strict traditional rules. In 2026, with Non-QM projected over 15% of originations, they're perfect for self-employed Black professionals facing lending barriers.

How do DSCR loans work for real estate investors in GA and FL?

DSCR loans qualify based on property rental income covering debt (ratio often 0.75+), not personal income. Ideal for scaling rentals in 2026's strong Georgia rental market and Florida's balanced inventory.

What is the real estate market forecast for Florida and Georgia?

Florida: Balanced with increased inventory and stable/slightly declining prices. Georgia (Atlanta): Modest growth, strong rentals, more buyer leverage.

How does BSI help close the racial wealth gap through real estate?

By providing tailored Non-QM/DSCR access, financial literacy, and community support to overcome historical barriers in lending and homeownership.

Can Black professionals qualify for non-QM loans without traditional income docs?

Yes—options like 12-24 month bank statements or DSCR make qualification easier for gig workers and investors.