No W-2. No Tax Returns.
Orlando real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 620+ credit. LLC borrowing. Close in 14-21 days.
Check My Orlando Rate →The economy runs on the theme parks and hospitality corridor, AdventHealth and Orlando Health, the University of Central Florida, and the simulation and defense cluster. The rental stock is post-war block homes across the metro, pre-war stock in the historic districts, a large short-term rental inventory near the parks, and rapid new construction on the fringe.
Florida is judicial and slow to foreclose. Windstorm insurance is decisive across the metro. Volusia County — DeLand, Deltona — sits north with lower basis and Stetson University demand; Kissimmee and the Four Corners area south carry the STR inventory serving the parks. Orange and Osceola counties tax differently.
Because the tax line is the swing factor here, run the DSCR with the actual current bill and the reassessed figure after purchase — in Orlando they are frequently not the same number, and the lender will use the higher one.
Get a bindable insurance quote before you go under contract. In Orlando the premium is large enough to move the ratio across the 1.0 line on its own.
Also see: Jacksonville, FL →Miami, FL →Fix & Flip Loans in Orlando →Fort Myers, FL →Lakeland, FL →Palm Bay, FL →Pensacola, FL →Sarasota, FL →
DSCR rental loans in Orlando qualify based on the property's rental income, not your W-2 or tax returns. Min credit 620, max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Orlando's dual economy (tourism + tech) provides exceptional STR potential alongside stable long-term rental demand. Disney, Universal, and SeaWorld alone generate millions of annual visitors. The medical city and aerospace industry (Lockheed Martin, Northrop Grumman) add professional rental demand. Kissimmee and Davenport are particularly strong STR markets.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Orlando metro including Kissimmee, Davenport, Winter Garden, Lake Nona, and Sanford.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Orlando rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Kissimmee often qualify easily on gross rent alone.
Orlando markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Orlando allow LLC borrowing with personal guarantees. Standard for asset protection.
Orlando's 5.4% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Orlando properties.
From our loan records, all products. Borrower names and addresses withheld.
Source: LendingStreet loan records (Pipedrive), September 30, 2026. Borrower names and property addresses withheld; loan amounts shown as recorded. Terms are set by the capital source and vary by borrower, property and program.
How the numbers work: see a worked DSCR calculation or run your own in the DSCR calculator.
Yes. DSCR loans qualify based on the Orlando rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Orlando DSCR programs through our capital sources start at a 620 credit score. Higher scores improve leverage and pricing.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Orlando rental yields average 6.8% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Orlando allow borrowing in an LLC with a personal guarantee.
Orlando DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Orlando areas have STR restrictions — verify local rules.
DSCR loans in Orlando start at $150K with no maximum loan amount — larger loans are placed with jumbo DSCR sources in our network.
Yes. Rate-and-term refis and cash-out refis are available on Orlando rentals. Cash-out caps at 70-75% LTV.
Almost always the tax line. The lender uses the reassessed bill after purchase, which is often higher than the seller's current bill.
Enough to decide it. Get a bindable quote before contract; the premium can move the ratio across 1.0 on its own.
It affects the lender's side. A faster recovery timeline widens the pool of sources comfortable writing there; a slower one makes some conservative on leverage.
We finance rentals across the full Orlando metro, including DeLand, Sanford, Kissimmee, Deltona, Winter Park and Apopka. The submarkets are not interchangeable:
Volusia County — DeLand, Deltona — sits north of the metro core with lower basis and Stetson University demand in DeLand; Kissimmee and the Four Corners area to the south carry the short-term rental inventory serving the theme parks. Florida is judicial and slow to foreclose, and windstorm insurance is the decisive underwriting line across the whole metro.
Whichever submarket the property sits in, the ratio is underwritten the same way — run it in the DSCR calculator with the actual local tax and insurance figures first.
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