Dorca Bernard
REALTOR® · REAL ESTATE INVESTOR
- Vision & Leadership
- Deal Oversight
- Investor Relations
The Keyes Company — Dorca Bernard
Smart investments.Stronger future.
Building wealth through real estate. Creating opportunities. Strengthening communities.
"With God all things are possible."
01. Stability
Cash Flow
Generate income while your asset appreciates.
02. Legacy
Build Wealth
Leverage real estate to grow and protect your money.
03. Autonomy
Financial Freedom
Create options for you and your future generations.
“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
Strategic Funding
Explore diverse paths to acquisition
401(k) / Roth IRA
Use retirement funds penalty-free with a self-directed account.
HELOC
Tap into your home equity with flexible lines of credit.
Cash Out Refi
Refinance your property and pull out the equity to invest.
Private Money
Partner with private lenders or investors for more options.
REI / Partnerships
Real estate investing groups and partnerships multiply results.
Savings / Other
Traditional savings, CDs, or other liquid assets.
Start building wealth today — Sign me up
Sign me upDONE FOR YOU · TURNKEY INVESTMENT PROPERTIES
- Move-in ready
- Tenants in place
- Immediate cash flow potential
- Professionally managed
- Less hands-on for you
INVESTMENT LOAN OPTIONS
CONVENTIONAL LOANS
Great for strong credit and down payment.
DSCR LOANS
Qualify based on the property's cash flow, not personal income.
HARD MONEY LOANS
Short-term funding for quick purchases or value-add.
FHA 2–4 UNIT LOANS
Live in one unit, rent the others. Great for house hacking.
MEDICAL PROFESSIONAL LOANS
Up to 100% financing, no mortgage insurance, for physicians and specialists.
Investing doesn't stop your homeownership goals.
Buying an investment property will not stop you from buying your first home.
- Separate loans
- Different qualification
- You can build wealth AND own your dream home
Want turnkey deals sent to you? Sign me up
Sign me upOur simple investment process
Five steps, start to keys
01
Discovery Call
We learn about your goals, financial situation and what you're looking for.
02
Strategy & Plan
We create a personalized plan based on your goals and resources.
03
Find & Analyze
We find the right deals and run the numbers to make sure it's smart.
04
Fund & Close
We help you secure funding and handle the details start to finish.
05
Manage & Grow
We help you manage your property and grow wealth over time.
The team behind the vision
Together we grow, together we invest
Junie St Clair
REALTOR® · REAL ESTATE INVESTOR
- Market Analysis
- Investor Advisory
- Construction & Project Management
One team · One mission · Every family welcome
Together we grow, together we invest.
Your lending partner
Financing structured for your goals
Giovanni Labate
Senior Loan Officer · NMLS #1695278
Capital Partners Mortgage Services · NMLS #2332376
2121 Southwest 3rd Ave, Miami, FL 33129
Giovanni works hand in hand with Dorca to structure financing — from conventional and DSCR to specialty programs — so your offer is strong and your closing is smooth.
FEATURED PROGRAM · THE MEDICAL PROFESSIONAL LOAN
Up to 100% financing with no mortgage insurance — built for doctors, dentists and specialists. Loans up to $2,000,000 on a primary residence, and residents or fellows can qualify on a signed employment offer.
- Physicians, dentists, pharmacists, veterinarians, podiatrists, CRNAs
- Residents, fellows and interns eligible
- No mortgage insurance — ever
- Student-loan payments often excluded
- As little as 0 months reserves
680 FICO to $1.5M · 720 FICO to $2M. Primary residence, 1 unit. Not a commitment to lend; subject to credit approval and program guidelines. Equal Housing Opportunity.
Ready to get pre-approved? Sign me up
Sign me upWork with Dorca & Junie
Start the conversation
We're Dorca Bernard and Junie St Clair — both real estate investors and REALTORS® with The Keyes Company. Tell us what you're looking for — whether it's your first home or your next investment property — and we'll guide you from strategy to closing.
Let's build your financial future—together.
Building wealth through real estate. Creating opportunities. Strengthening communities.
Take the first step today.
This is for informational purposes only and is not financial or legal advice. Always consult with your financial advisor or tax professional.