STR / Airbnb DSCR Loans in Orlando, Florida

Orlando is the country's largest STR DSCR market. Theme-park demand (Disney World, Universal, SeaWorld) generates consistent year-round visitor flow that supports 70%+ occupancy on properly-managed 4-6 BR pool homes. The dedicated vacation-rental subdivisions (Reunion, Champions Gate, Encore, Solterra, Windsor Hills, Solara) are STR-zoned at the development level, eliminating the residential STR-ban risk that affects other markets. Orlando is the rare combination of strong demand, permissive zoning, and a deep specialty lender pool.

Top Orlando neighborhoods and submarkets

  • Reunion: Premier theme-park vacation-rental community; 4-6 BR pool homes; consistent top-tier ADR.
  • Champions Gate: Resort-style vacation community; mix of villas and townhomes; family-targeted demand.
  • Encore at Reunion: Newer build; larger homes (5-8 BR); premium ADR.
  • Windsor Hills / Windsor Palms: Established vacation-rental communities; lower entry prices than Reunion.
  • Solara Resort: New resort-style community with on-site amenities.
  • Davenport / Kissimmee: Lower entry prices outside core STR communities; permitting requires verification.

Orlando quick facts

  • Top US STR DSCR market by volume
  • STR-zoned communities eliminate ban risk
  • AirDNA shows 65-78% typical occupancy
  • Florida DBPR Vacation Rental License required
  • No state income tax
  • Property tax around 0.8-1.0% effective rate

Active programs available in Orlando

Non-QM Investor Loan

confirmed 6/2/2026

Commercial mortgage program offering up to 90% CLTV for various property types including mixed-use, multi-family, and retail. Allows for flexible deal structuring including seller carrybacks and second liens.

DSCR Loan for Investment Properties

confirmed 6/4/2026

A flexible Non-QM lending program offering specialized income calculations and structuring options for complex borrower scenarios.

DSCR Loan for Investment Properties

confirmed 5/21/2026

A DSCR loan program for foreign national investors on 1-4 unit investment properties, offering up to 75% LTV and credit scores starting at 680.

FICO 680+LTV up to 75%DSCR 1+

DSCR Loan for Investment Properties

confirmed 5/20/2026

DSCR investor loan for short-term rental properties, allowing up to 80% LTV for purchase and rate-term refinances with no limit on financed properties.

FICO 620+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/28/2026

A flexible DSCR loan program for investment properties with no minimum DSCR requirement, allowing for negative cash flow and short-term rental income.

FICO 640+

DSCR Loan for Investment Properties

confirmed 5/14/2026

A non-QM DSCR program for investors, including first-time investors, that allows for negative cash flow properties and offers flexible qualification options like asset utilization.

FICO 620+LTV up to 85%

DSCR Loan for Investment Properties

confirmed 5/11/2026

A DSCR loan program for investment properties that allows for entity vesting, rural properties, and short-term rental income, with both fixed and ARM options available.

DSCR Loan for Investment Properties

confirmed 6/5/2026

Debt Service Coverage Ratio loan program for investment properties based on property cash flow rather than personal income.

Asset-Qualifying Loan

confirmed 5/13/2026

An asset-based loan program that allows borrowers to qualify by converting liquid assets into a usable income stream, eliminating the need for traditional income or employment documentation.

FICO 680+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/12/2026

A 30-year fixed DSCR loan program for investment properties with flexible prepayment penalty options and LTVs up to 80%.

LTV up to 80%DSCR 1+

DSCR Loan for Investment Properties

confirmed 5/20/2026

A 30 or 40-year fixed-term bridge loan for investment properties that requires a DSCR of at least 0.80. This program allows for up to 80% LTV and is available for single-family homes, 2-4 units, non-warrantable condos, and condotels.

FICO 660+LTV up to 80%DSCR 0.8+

Specialized Investor Loan Program

confirmed 5/10/2026

A specialized financing program for senior care housing properties, offering 30-year fixed terms and up to 75% LTV for purchase and cash-out refinance transactions.

LTV up to 75%

DSCR Loan for Investment Properties

confirmed 5/19/2026

A DSCR-based loan program for short-term rental investors, allowing for purchase, rate and term, and cash-out refinances on 1-4 family properties and condos.

FICO 620+LTV up to 80%

Specialized Investor Loan Program

confirmed 5/19/2026

A 12-month financing program for experienced investors building ground-up residential projects, offering up to 90% of purchase price and 100% of construction costs.

LTV up to 70%

Fix & Flip Loan for Investors

confirmed 5/28/2026

A fix and flip loan for seasoned investors performing light rehab projects with fast, streamlined approvals.

FICO 650+LTV up to 90%

Specialized Investor Loan Program

confirmed 5/18/2026

A 20-year fixed standalone second lien mortgage for primary residences, offering up to 70% CLTV.

LTV up to 70%

Foreign National Investment Loan

confirmed 5/20/2026

A loan program for international buyers seeking U.S. real estate investment or second home opportunities without requiring a U.S. credit score.

Non-QM Investor Loan

confirmed 5/10/2026

Financing for non-owner-occupied investment properties offering up to 90% CLTV, including options for seller carrybacks or second liens.

LTV up to 90%

DSCR Loan for Investment Properties

confirmed 5/15/2026

A flexible DSCR loan program for investment properties, offering options for no-ratio qualification, various prepayment penalty terms, and support for short-term rentals.

FICO 640+LTV up to 80%DSCR 0.75+

DSCR Loan for Investment Properties

confirmed 5/20/2026

DSCR loan program for investment properties now available with a minimum DSCR ratio as low as 0.01.

DSCR 0.01+

Non-QM Investor Loan

confirmed 5/15/2026

A Non-QM program featuring a simplified 4-question Streamline WVOE for income qualification, available for purchase, refinance, and investment properties.

FICO 660+LTV up to 80%

DSCR Loan for Investment Properties

confirmed 5/15/2026

A DSCR program for investment properties that allows for negative cash flow and offers interest-only payment structures to help qualify challenging deals.

DSCR 0.75+

ITIN Loan Program

confirmed 5/14/2026

Non-QM loan program for ITIN borrowers, DACA recipients, permanent residents, and US citizens with flexible income documentation and no DTI cap.

FICO 580+

DSCR Loan for Investment Properties

confirmed 5/22/2026

A DSCR loan program for investment properties, including short-term rentals, offering up to 85% LTV and flexible qualification options like interest-only payments.

LTV up to 85%

Specialized Investor Loan Program

confirmed 5/11/2026

Financing for specialty agricultural properties including orchards, vineyards, groves, and equestrian facilities.

Non-QM Investor Loan

confirmed 5/18/2026

A limited documentation Non-QM program that allows borrowers to qualify using a simplified written verification of employment form without requiring detailed income breakdowns.

FICO 660+

Specialized Investor Loan Program

confirmed 5/10/2026

A commercial ground-up construction loan for multi-family projects up to 10 units, designed for investors of all experience levels.

FICO 650+LTV up to 85%

Non-QM Investor Loan

confirmed 5/10/2026

A non-QM mortgage product designed for borrowers who may not meet traditional lending criteria.

DSCR Loan for Investment Properties

confirmed 6/1/2026

DSCR loan program for residential 1-4 unit investment properties, offering multiple series options including Signature, Streamline, and Standard.

DSCR Loan for Investment Properties

confirmed 5/26/2026

DSCR loan program for short-term and long-term rental investment properties with competitive pricing and fast appraisal processing.

Non-QM Investor Loan

confirmed 5/10/2026

A non-QM mortgage product designed for borrowers who may not meet traditional lending criteria.

Specialized Investor Loan Program

confirmed 5/10/2026

Financing solutions for commercial agricultural properties that generate income, tailored to the specific operational needs of the borrower.

DSCR Loan for Investment Properties

confirmed 5/11/2026

A DSCR loan program for short-term rental properties like Airbnb and VRBO that qualifies borrowers based on property income without requiring personal income documentation.

FICO 620+LTV up to 75%

Bridge Loan for Investors

confirmed 5/12/2026

Short-term bridge financing for investors to acquire or refinance distressed or non-warrantable condo units.

Bridge Loan for Investors

confirmed 5/9/2026

A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.

DSCR Loan for Investment Properties

confirmed 5/20/2026

A DSCR loan program for investment properties that allows for short-term rentals, vacant properties, and qualification based on market rent without requiring a lease.

Foreign National Investment Loan

confirmed 5/9/2026

Financing program for international investors purchasing U.S. real estate that does not require U.S. credit history or traditional U.S. income documentation.

Non-QM Investor Loan

confirmed 5/9/2026

Financing solutions for condo projects that do not meet standard Fannie Mae or Freddie Mac guidelines, including those with litigation, high commercial space, or investor concentration.

Specialized Investor Loan Program

confirmed 6/8/2026

A flexible, fully amortized HELOC solution for primary, second home, and investment properties with loan amounts up to $750,000 and fast funding in as little as 5 days.

FICO 600+LTV up to 85%

Fix & Flip Loan for Investors

confirmed 6/2/2026

Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.

DSCR Loan for Investment Properties

confirmed 5/9/2026

A flexible Non-QM program offering full income, alternative income, and DSCR documentation options with fixed, adjustable, and interest-only rate structures.

Bank Statement Loan

confirmed 5/10/2026

A non-QM bank statement program for service and tip industry workers that uses 12-24 months of bank deposits to calculate income without requiring tax returns.

FICO 600+LTV up to 90%

Orlando STR / Airbnb DSCR FAQs

Which Orlando communities are STR-zoned?

Reunion, Champions Gate, Encore, Solterra, Windsor Hills/Palms, Solara, Storey Lake, and ChampionsGate Resort are all explicitly zoned for short-term rental. Outside these communities, STR permitting varies by county and HOA. Always verify zoning before purchase.

Do I need a Florida DBPR license to operate?

Yes. Florida requires a Department of Business and Professional Regulation (DBPR) Vacation Rental Dwelling license for any property rented for less than 30 days. Application is straightforward; lenders verify the license at close or shortly after.

What's typical Orlando STR cash flow?

For a $500K 4-BR pool home in Reunion or Champions Gate: $90-130K gross annual revenue typical; net after expenses and PITIA roughly $15-30K/year cash flow. Higher-end Encore homes can clear $40-50K net.

Lender experience in Orlando STR market?

Most major STR-DSCR lenders are active in Orlando. The market is deep enough that AirDNA reports and T12 statements are accepted without unusual scrutiny. Standard underwriting timelines (21-30 days).

See Florida-wide STR / Airbnb DSCR guidelines and FAQs →

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