Unlock the Real Numbers on Your Condotel Investment
Most condotel owners see the gross rental projection and stop there. The management split, resort fees, and vacancy can consume half your revenue.
Run the real numbers before you buy, sell, or hold. Free, instant, no sign-up required.
Received an invitation by mail?
Conrad or Epic condo owners — enter your address & unit number to pull up your property record.
I Was There From the Beginning
James Papagno was the original partner lender for landmark South Florida condotel projects including the Conrad, W Hotel, Paramount, and many others — involved from the onset of these developments. That means an insider's understanding of the financing structures, rental programs, and economics behind your investment.
Original Partner Lender
Lent on the Conrad, W Hotel, Paramount, and other iconic projects from day one.
South Florida Specialist
Deep local knowledge of condotel properties, resort markets, and HOA structures.
Condotel Financing Expert
Specialized financing solutions for properties other lenders won't touch.
What the Calculator Reveals
True Take-Home Income
Net revenue after the management split, resort fees, and all operating costs.
Real Monthly Cash Flow
What you actually keep after mortgage, taxes, insurance, utilities, and HOA.
Cap Rate
The property's unlevered return — annual NOI divided by purchase price.
Cash-on-Cash Return
Your leveraged return on the actual cash invested, including closing costs.
The Revenue Mirage
Management splits of 40–50% are standard in condotels. Combined with elevated HOA, resort fees, and seasonal vacancy, a property that shows $40,000/year in gross revenue can easily produce negative cash flow. The gross number is a mirage — always evaluate based on net take-home, not the figure the management company quotes.
Ready to Move Forward?
Apply online securely, or verify my credentials and reviews before we talk.
Secure Online Loan Application
Start your condotel financing application now through my secure, encrypted portal.
Verify My Credentials & Reviews
See my professional background on LinkedIn and read client reviews on Zillow.
Ready to See the Real Numbers?
Run the Condotel Rental Income Optimizer now — or reach out to James Papagno directly for a professional review.
Calculator results are estimates for educational and informational purposes only. They are not financial, legal, tax, or lending advice and do not represent a loan approval or commitment to lend. Actual terms vary based on lender, borrower profile, documentation, market conditions, and underwriting.