Close in 10 Days. 90% LTC.
Orlando real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 620+ credit. Close in 5-10 days.
Check My Orlando Rate →The 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. Block-home flips in Pine Hills, Azalea Park and Holden Heights. Roof age, insurability at resale and termite are standard.
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.
Pre-war stock in Orlando means the scope is rarely what the walkthrough suggests. Budget the mechanicals before the finishes and expect the inspector to find what the seller did not disclose.
Insurability at resale is the exit risk in Orlando. If the roof, openings or elevation make the property hard to insure, the ARV you underwrote may not be the price you clear.
Also see: Jacksonville, FL →Miami, FL →DSCR Loans in Orlando →Fort Myers, FL →Lakeland, FL →Palm Bay, FL →Pensacola, FL →Sarasota, FL →
Fix & Flip loans in Orlando qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
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.
Accurate ARV is critical. Orlando submarkets like Thornton Park have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Orlando rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Orlando — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Orlando averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
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 what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Orlando fix and flip closings happen in 5-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Orlando range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Orlando fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
Roof age, insurability at resale and termite are standard. Budget contingency for it.
Only if the scope addresses what carriers price — roof age, openings, elevation. Confirm before you close; it is the exit.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
We finance flips 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 loan is underwritten the same way — run it in the ARV and cash-to-close calculator with the actual local purchase, rehab and ARV figures first.
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