Dorca Bernard
REALTOR® · REAL ESTATE INVESTOR
- Vision & leadership
- Deal oversight
- Investor relations
Dorca Bernard Real Estate Investment — Florida: Smart investments.Stronger future.
Florida real estate investing, guided from strategy to keys. Building wealth. Creating opportunities. Strengthening communities.
“With God all things are possible.”Matthew 19:26
15
Florida markets
5
Step guided process
100%
Financing options available
1
Team, start to keys
Who we are
The team behind the vision.
Real estate investors and REALTORS® with The Keyes Company, guiding every client the way we'd want to be guided — honestly, carefully and with your long-term future in mind.
One team · One mission · Every family welcome
Together we grow, together we invest.
Giovanni Labate
SENIOR LOAN OFFICER · NMLS #1695278
- Financing strategy
- Pre-approvals
- Investor loan programs
Get pre-approved
With Giovanni Labate · Senior Loan Officer
Junie St Clair
REALTOR® · REAL ESTATE INVESTOR
- Market analysis
- Investor advisory
- Construction & project management
Invest
Choose your path.
Four proven ways to invest with us — each tailored to your goals and budget.
Single-family homes
Turnkey, move-in ready homes with strong rental demand — the simplest first step into investing.
View propertiesMulti-family properties
Duplexes, triplexes and small buildings — one purchase, multiple streams of rental income.
View propertiesNew construction
Brand-new homes with modern finishes, lower maintenance and builder warranties.
View propertiesValue-add properties
Homes with untapped potential — renovate, reposition and build equity beyond the purchase price.
View properties
Our specialty
Turnkey, done for you.
Fully renovated, tenant-ready homes that can produce income from the start. Prefer another strategy — house hacking, short-term rentals or value-add? Tell us, and we'll build a plan around it.
- Move-in ready
- Tenants in place
- Immediate cash-flow potential
- Professionally managed
- Hands-off for you
Investing won't stop your homeownership goals. Separate loans and different qualifications mean you can build wealth and still own your dream home.
How it works
Five steps, start to keys.
01
Discovery call
We learn your goals, finances and what you're looking for.
02
Strategy & plan
A personalized plan built around your resources.
03
Find & analyze
We source the right deals and run the numbers.
04
Fund & close
We secure funding and handle every detail.
05
Manage & grow
We help you manage and grow your portfolio.
Financing
Funding structured for your goals.
Many paths lead to your first — or next — property.
401(k) / Roth IRA
Self-directed retirement funds.
HELOC
Tap into your home equity.
Cash-out refinance
Unlock equity you already own.
Private money
Partner with private lenders.
Partnerships
Invest alongside other investors.
Savings & other
Savings, CDs or liquid assets.
Your lending partner
Giovanni Labate
Senior Loan Officer · NMLS #1695278
Capital Partners Mortgage Services · NMLS #2332376
2121 Southwest 3rd Ave, Miami, FL 33129
Get pre-approvedLoan programs
Conventional
For strong credit and a solid down payment.
DSCR
Qualify on the property's cash flow, not personal income.
Hard money
Short-term funding for fast or value-add purchases.
FHA 2–4 unit
Live in one unit, rent the others.
Medical professional
Up to 100% financing, no mortgage insurance.
Featured — Medical Professional Loan: up to 100% financing, no mortgage insurance, loans up to $2,000,000 for physicians, dentists and specialists. Residents and fellows can qualify on a signed offer.
680 FICO to $1.5M · 720 FICO to $2M. Primary residence, 1 unit. Not a commitment to lend; subject to credit approval. Equal Housing Opportunity.
Where we invest
Florida's growth markets.
Selected for rental demand, population growth and long-term appreciation potential.
- Jacksonville
- Ocala
- Lakeland / Winter Haven
- Tampa / St. Petersburg
- Orlando / Kissimmee
- Daytona Beach
- Palm Bay / Melbourne
- Port St. Lucie
- Pensacola
- Tallahassee
- Fort Myers
- Cape Coral
- Gainesville
- Panama City
- Miami / South Florida
Faith at the foundation
“By wisdom a house is built, and through understanding it is established; through knowledge its rooms are filled with rare and beautiful treasures.”
Proverbs 24:3–4
Our work is anchored in faith. We believe every home we help build is more than an investment — it's a foundation for a family's future. That's why we lead with integrity, serve with patience and treat every client like a neighbor, not a number.
“With God all things are possible.” — Matthew 19:26
Answers before you ask
Frequently asked questions
Everything investors ask us most — from turnkey properties and financing to markets and getting started. Don't see your question? Sign up below and ask us directly.
Start the conversation
Work with us
Tell us what you're looking for — your first home or your next investment property — and we'll guide you from strategy to closing.
Dorca Bernard
The Keyes Company
Let's build your future — together.
Building wealth through real estate. Creating opportunities. Strengthening communities.
Let's connect
809 N. Flagler Ave, Homestead, FL 33030
REALTORS® · The Keyes Company
For informational purposes only; not financial or legal advice. Consult your financial advisor or tax professional.