Orlando flips live and die on the roof, the insurance quote and the comps. Concrete block ranch homes across Orange, Seminole and Osceola counties make good projects, but only with a lender that funds the rehab and closes before the deal goes to someone else.
In short: LendingStreet is our top pick among fix and flip lenders in Orlando, FL. It funds 1 to 8 unit flips from $150,000 to $5M+, covers up to 90% of cost and up to 100% of rehab on some programs, and can close in as little as 10 days. That fits Central Florida, where older block homes need roofs and systems and insurance questions can decide a resale. If you keep the house, you can refinance into a DSCR rental loan with the same lender.
Why do investors choose LendingStreet in Orlando? We fund the deal the way flippers work: leverage up to 90% of cost, up to 100% of rehab on some programs, draws as the work gets done, and closings in as little as 10 days. Loan amounts run from $150,000 to $5M+ on 1 to 8 unit residential property.
LendingStreet suits first projects and seasoned operators alike, borrowing in an LLC, with a clear path to keep the house as a DSCR rental if selling stops making sense. The fastest next step is the quote form below, or call (877) 298-1001.
If you are weighing Dominion Financial, LendingOne, Lima One and RCN Capital for a fix and flip 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 |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| 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. |
Central Florida flips spread across Orange, Seminole and Osceola counties. Investors buy concrete block ranch homes from the 1950s through the 1980s in Pine Hills, Azalea Park, Conway, Washington Shores and the areas around College Park, plus suburban stock in Apopka, Ocoee, Winter Garden, Sanford, Casselberry and Kissimmee.
Central Florida has drawn new residents for years, but price levels and buyer expectations vary a lot by neighborhood. A flip in Azalea Park is scoped differently from one near Winter Park, so let the comps set the finish level.
Concrete block holds up well, but older homes here often need a new roof, updated electrical panels, replacement of old cast iron drains or polybutylene supply lines, and new HVAC. Florida insurers look closely at roof age and often ask for inspection reports on the roof and major systems plus a wind mitigation report, and the buyer's insurance quote can make or break the sale.
Permits are issued by the City of Orlando or the county, depending on where the property sits, and roofing, electrical, plumbing and mechanical work all need them under the Florida Building Code. Open or expired permits from a prior owner should be closed before you list.
Banks, local hard money lenders and private individuals all finance flips in Orlando, and terms vary from one to the next. This table compares the typical pattern with what LendingStreet offers.
| What flippers need | LendingStreet | Typical bank or credit union | Typical local hard money lender | Private individual lender |
|---|---|---|---|---|
| Leverage | Up to 90% of total cost on some programs | Often lower on investor rehabs; varies | Varies by lender | Negotiated deal by deal |
| Rehab funding | Up to 100% of rehab on some programs, paid in draws | May not lend on a distressed house | Often funds rehab in draws; terms vary | Varies |
| Speed to close | As little as 10 days | Usually slower; full underwriting | Often fast | Can be fast if funds are ready |
| Documentation | Business-purpose loan; LLC borrowers welcome | Often requires tax returns and personal income | Varies | Informal; varies |
| Loan size | $150,000 to $5M+ | Varies; may limit investor exposure | Varies; often smaller balances | Limited by one person's capital |
| After the flip | Sell, or refinance into a LendingStreet DSCR rental loan | Separate application | Usually short-term only; no long-term option | Usually short-term only |
| Where they lend | All 50 states and DC | Usually local or regional | Usually local | Usually local |
This example is illustrative and not a quote. An investor buys a concrete block ranch in Azalea Park for $255,000 and budgets $70,000 for a roof, HVAC, electrical panel, plumbing, kitchen and baths. Total project cost is $325,000. The loan covers 85% of cost, or $276,250: the full $70,000 rehab budget, paid in draws as work is done, plus $206,250 toward the purchase, so the investor brings $48,750 toward the price plus closing costs.
If the full loan were drawn, the estimated interest-only payment would be about $2,302 a month. Over 6 months that is $13,812 of interest plus $5,700 of taxes, insurance and utilities. The home sells for $425,000, and after $32,500 of estimated selling costs and $7,500 of buy-side closing costs the estimated profit is about $40,488, on roughly $75,762 of the investor's own cash.
| Item | Amount |
|---|---|
| Purchase price | $255,000 |
| Rehab budget | $70,000 |
| Total project cost | $325,000 |
| Loan at 85% of cost | $276,250 |
| Rehab funded through draws | $70,000 |
| Loan toward the purchase | $206,250 |
| Cash due toward the purchase | $48,750 |
| Estimated buy-side closing costs | $7,500 |
| Estimated interest-only payment, fully drawn | $2,302 a month |
| Taxes, insurance and utilities while held | $950 a month |
| Months held | 6 |
| After-repair sale price | $425,000 |
| Estimated selling costs | $32,500 |
| Estimated profit before income taxes | $40,488 |
Florida charges documentary stamp tax on deeds and on notes, plus intangible tax on recorded mortgages. On a flip, your purchase loan carries the note stamps and intangible tax, and deed stamps are customarily a seller cost in most of the state, so you pay them when you sell. Title insurance and recording fees add to both sides. Confirm current amounts with your title company.
Hurricane season runs from June through November, and storms can slow contractors and insurance binding. Plan your schedule with some slack, and keep the property secured during the rehab.
Most flips end in a sale, and the loan is short-term and interest-only for that reason. But markets shift, and some houses are worth more as rentals. With LendingStreet, you can refinance a finished project into a DSCR rental loan that qualifies on the property's rent, with no W-2s or tax returns.
DSCR loans have a 1.0x standard minimum ratio, sub-1.0 programs, a 620 minimum credit score and 30-year terms. Seasoning before a refinance varies by program, so ask about it before you buy if a rental exit is on the table.
Use these questions with every lender you talk to. Vague answers are a warning sign.
LendingStreet's answers, in order: up to 90% LTC with up to 100% of rehab on some programs; draws released after inspections; LLC borrowing is standard; as little as 10 days to close; $150,000 to $5M+, with more review on larger balances; and a DSCR refinance at a 1.0x standard minimum, with sub-1.0 options and program-based seasoning.
Have the purchase price, a line-item rehab budget and recent comparable sales ready. Fill out the quote form below or call (877) 298-1001, and a loan officer will walk through leverage, draws and timing with you.
Our top pick is LendingStreet. It offers up to 90% of cost and up to 100% of rehab on some programs, closes in as little as 10 days, funds $150,000 to $5M+ and lets you refinance into a DSCR rental loan if you keep the house.
Yes. LendingStreet lends in Orlando and across Florida, and in all 50 states and DC. Our investor loans are business-purpose loans on non-owner-occupied property.
Yes. Block ranch homes are a common Orlando flip, and our fix and flip loans cover 1 to 8 unit properties across Orange, Seminole and Osceola counties.
Florida insurers weigh roof age heavily, and your buyer needs affordable coverage to close. A newer roof often makes the resale easier and faster.
Only where short-term rentals are allowed. Rules vary by city, county and HOA around Orlando, so check them before you plan on nightly income. A long-term rental with a DSCR refinance is another exit.
Up to 90% of total cost on some programs, including up to 100% of the rehab paid in draws. Exact leverage depends on the deal and the program.
Yes. LLC borrowers are standard, and these are business-purpose loans on non-owner-occupied investment property.
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