203(k) Consultant in Florida
HUD-approved renovation loan consulting for Florida lenders, borrowers, and real estate professionals. Backed by 30+ years of construction experience and a federal HUD consultant credential honored statewide.
Florida Renovations, Financed the Right Way
Florida homes take a beating from heat, humidity, and storm season, and a lot of the housing that trades hands needs real work before it’s sound. The 203(k) program lets a buyer roll roof replacement, window and door upgrades, and system repairs into the purchase mortgage, so a storm-worn or dated listing becomes a solid home without a second loan. That covers everything from 1920s bungalows in Tampa and Orlando to aging condos and mid-century block houses along the coast.
The work only holds up if the consultant knows what he’s looking at. Michael Al (HUD Consultant ID P1984) has been in construction for more than 30 years. Licensed Builder, State of Michigan since 1994, and a HUD-Approved 203(k) Consultant since 2019. That HUD approval is a federal credential, so it carries the same weight for an FHA lender in Florida as it does anywhere in the country. He travels to Florida regularly, and he comes with a notebook and a drone and leaves with a report your lender can actually use.
Why Florida Lenders Choose MIS
- HUD-Approved, Honored Statewide: The 203(k) consultant approval is a federal credential (HUD ID P1984) that every FHA lender in Florida can work with.
- Storm-Resilience Renovations: Roof replacement, impact windows and doors, re-piping, electrical service upgrades, and moisture remediation are all common Florida renovation scopes, and all financeable under a 203(k). Michael writes them up so the work is documented and the draws are clean.
- Experience With Aging and Condo Stock: Older bungalows, block ranches, and dated condo units make up a large share of Florida’s affordable inventory. Michael knows how these buildings weather, where the water gets in, and what the repairs actually run.
- 11 Renovation Loan Types: FHA 203(k) Standard and Limited, Conventional, VA, USDA Rural, Fannie Mae HomeStyle, Freddie Mac CHOICERenovation, and more. One consultant for every renovation product you originate.
- FAA-Certified Drone Capability: Part 107 certified aerial imaging and thermal scanning for roof and facade assessments. Useful for documenting storm-related roof wear without putting anyone on a ladder.
- 30+ Years Construction Experience: Michael doesn’t just inspect. He understands how these homes were built, where the problems hide, and what the repairs actually cost.
Services Available Throughout Florida
203(k) Consulting
Full HUD consulting from feasibility study through final completion. Includes the site inspection, work write-up, contractor bid review, draw inspections, and all required HUD documentation: forms 9746-A, 92577, 92700-A, and 92300. All 11 renovation loan types supported.
Aerial Drone Inspections
FAA Part 107 certified aerial imaging, thermal scanning, and roof assessments. Well suited to Florida’s low-slope and tile roofs, where storm wear and moisture intrusion are easier to catch from above. Available as a standalone service or combined with 203(k) consulting.
Commercial Building Inspections
Comprehensive commercial property assessments that combine ground-level inspection with aerial drone surveys. Available for commercial lenders, property managers, and investors working across Florida.
Florida Communities We Serve
MIS provides statewide coverage in Florida, including but not limited to:
- Fort Lauderdale
- Miami
- Tampa
- Orlando
- St. Petersburg
- Fort Lauderdale
- Tallahassee
- Cape Coral
- Gainesville
- Clearwater
- Lakeland
- Palm Bay
Don’t see your city? We still serve it. MIS covers communities across Florida. Call to confirm scheduling for your specific address.