Orlando investors tend to pick one of two paths: long-term rentals in fast-growing suburbs, or vacation homes in the resort communities near the theme parks. Both can work with a DSCR loan, but the city's short-term rental rules and the area's CDD fees change the math.
In short: Our top pick for Orlando DSCR loans is LendingStreet. We qualify on the property's rent with no W-2s or tax returns, close in LLCs, and offer 30-year terms. Purchases go up to 80% LTV and cash-out up to 75%, loans start at $150,000, and the minimum score is 620. On some programs, vacation homes in areas that allow them can qualify on projected short-term rental revenue. Get a quote with the form below or call (877) 298-1001.
LendingStreet finances business-purpose loans on non-owner-occupied 1 to 8 unit rentals across Orange, Osceola, Seminole, Lake and Polk counties. You qualify on rent, so the size of your W-2 or the deductions on your tax return do not cap your portfolio.
We fit out-of-state buyers adding a Florida rental, investors who want both a long-term rental and a vacation home, and owners refinancing a newer home after values rose. To get started, use the form below or call (877) 298-1001, and tell us whether the home will rent long-term or by the night.
If you are weighing CoreVest, Dominion Financial, LendingOne, Lima One, New Silver and RCN Capital for a DSCR loan for investors in Orlando, FL, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Rental loan above $2M | LendingStreet | Our DSCR loans have no stated maximum. LendingOne states DSCR loans up to $2,000,000 and RCN Capital states long-term rental loans up to $1.5M. |
| Credit score in the 620s | LendingStreet | Our DSCR minimum is 620. RCN Capital and New Silver state 660 minimums, and Dominion Financial states 680, with exceptions to 660. |
| 5-8 unit building | LendingStreet | We treat 1-8 units as residential DSCR. Lima One and CoreVest state 1-4 unit eligibility for their rental loans. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Long-term rental investors often target Apopka, Ocoee, Winter Garden, Pine Hills, Sanford, Oviedo, Lake Nona, St. Cloud and Clermont, where newer single-family homes and townhomes lease to families and workers in health care, logistics and hospitality. Closer in, College Park, Audubon Park and the neighborhoods around downtown have older homes and small multi-unit buildings.
Vacation rental investors look to resort-zoned communities in Osceola County around Kissimmee and Four Corners, and to parts of Polk and Lake counties around Davenport, where communities were planned for nightly rentals.
Orlando buyers have plenty of choices. This table shows how LendingStreet lines up against the lender types they call most often.
| Feature | LendingStreet | Typical bank | Typical hard money lender |
|---|---|---|---|
| How income is verified | Property rent (DSCR); no W-2s or tax returns | Usually personal income and tax returns | Mostly the deal and the exit |
| Term | 30-year terms available | Varies; investor loans may be shorter | Usually months, not years |
| Max purchase LTV | Up to 80% | Varies | Varies |
| Max cash-out LTV | Up to 75% | Varies | Not built for long-term cash-out |
| Ratio when rent is tight | 1.0x standard, sub-1.0 programs exist | Often relies on your personal debt ratio | Not usually DSCR-based |
| LLC borrowers | Standard | Sometimes | Common |
| Footprint | All 50 states and DC | Mostly local | Often regional |
Inside Orlando city limits, home share rules require the resident to live on site and be present while hosting, and renting out an entire home is generally not allowed. Whole-property rentals are treated as commercial dwelling units and limited to certain zoning districts. In practice, a non-owner-occupied vacation rental in a city neighborhood usually will not qualify.
Outside the city, county rules, HOA covenants and resort zoning decide. Check with the city or county and your HOA, and confirm tourist development tax registration before you count on nightly income. Many resort communities also have their own HOA rules on parking, occupancy and minimum stays, which shape both revenue and costs.
Many newer Central Florida subdivisions carry community development district (CDD) assessments on the tax bill, plus HOA dues. Both are part of the payment we use to calculate DSCR, so pull the full tax bill, not just the base rate.
Investors do not get the homestead exemption, and non-homestead assessments can rise up to 10% a year for non-school taxes. Florida's deed documentary stamp tax is $0.70 per $100, and a new mortgage adds stamps of $0.35 per $100 plus intangible tax of 0.2% of the loan amount.
Inland Orlando sees less storm surge than the coast but still gets hurricane wind and heavy rain, and some low areas near lakes and creeks sit in flood zones. Central Florida is also known for sinkholes, and standard policies generally cover only catastrophic ground collapse unless you add broader coverage. Newer homes with modern roofs usually price better, and wind mitigation features can lower the premium. Vacation homes need a policy written for short-term rental use, which often costs more than a standard landlord policy. Get a landlord quote, and a flood determination, early, and include both in the ratio before you remove contingencies.
This example is illustrative and not a quote. An investor buys a four-bedroom Apopka home for $360,000 that leases for $2,650 a month. Taxes, including the CDD line, are $520 a month, insurance is $230 and HOA dues are $40.
At 80% LTV the loan is $288,000, estimated principal and interest is about $1,916, and the total payment is about $2,706, for a DSCR of about 0.98x, just under 1.0x. At 75% LTV the loan is $270,000, the payment is about $2,586 and DSCR is about 1.02x. Bringing $18,000 more to closing clears the standard minimum.
| Item | 80% LTV | 75% LTV |
|---|---|---|
| Purchase price | $360,000 | $360,000 |
| Loan amount | $288,000 | $270,000 |
| Down payment | $72,000 | $90,000 |
| Estimated principal and interest | $1,916 | $1,796 |
| Property taxes | $520 | $520 |
| Insurance | $230 | $230 |
| HOA dues | $40 | $40 |
| Total monthly payment | $2,706 | $2,586 |
| DSCR at $2,650 rent | About 0.98x | About 1.02x |
Use this list with every lender you talk to about a Orlando rental.
How we answer: purchases to 80% LTV, cash-out to 75%, rate-and-term to 80% on some programs; 1.0x standard DSCR with sub-1.0 programs; seasoning that varies by program; LLC borrowers as standard; a clear timeline once your file is in; and no stated maximum loan size, with leverage that varies by program on larger balances and 5 to 8 units.
Tell us the address, price, rent or projected nightly revenue, and whether the property sits in a resort-zoned community. We will check the ratio with the real tax, CDD and insurance figures. Use the form below or call (877) 298-1001. For 9 or more units, see our commercial page.
Our top pick is LendingStreet: rent-based qualifying without tax returns, LLC borrowers, 30-year terms, and programs that can use projected STR revenue where vacation rentals are allowed.
Yes. We lend throughout Orange, Osceola, Seminole, Lake and Polk counties, across Florida, and in all 50 states and DC.
Usually not as an investor. The city's home share rules require the host to live on site, and whole-home rentals are limited to certain zoning districts.
Mostly in resort-zoned communities in Osceola County and nearby parts of Polk and Lake counties. Confirm zoning and HOA rules for each address.
Yes. They are part of the monthly payment, so a high CDD can lower the ratio and the leverage.
Yes, up to 75% LTV. Seasoning varies by program, and the rent must cover the new payment.
You can put more down, or ask about sub-1.0 DSCR programs.
No. DSCR loans qualify on the property's rent, with no W-2s or tax returns.
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