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
Bridge Loan for Investors
confirmed 5/9/2026A 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 5/9/2026A 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 5/9/2026Financing 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 5/9/2026Financing 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 5/10/2026A 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.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
DSCR Loan for Investment Properties
confirmed 5/9/2026A 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 5/10/2026A 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.
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).
Got a Orlando str / airbnb dscr scenario?
Tell us the deal - we'll match you with the right Orlando lender and come back with current pricing.