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Orlando, FL

Orlando mortgage and investor loans

Quick answerWe arrange home loans and investor loans for Orlando properties in Orange County: DSCR Loans, Fix and Flip Loans, DSCR Cash-Out Refinance, Short-Term Rental (Airbnb) DSCR Loans, Bank Statement Loans, FHA Loans, First-Time Homebuyer Loans, VA Loans, Condo Loans.
Reviewed by Juan Fernando Romero, NMLS 2557318Updated

Loan programs in Orlando

Investor

DSCR Loans in Orlando

A DSCR loan is an investment-property mortgage that qualifies you on the property’s rental income divided by its monthly payment (the debt service coverage ratio).

Investor

Fix and Flip Loans in Orlando

A fix and flip loan is short-term (usually 12–18 months), interest-only financing that covers most of a distressed property’s purchase price and up to 100% of renovation costs, repaid when you sell or refinance.

Investor

DSCR Cash-Out Refinance in Orlando

A DSCR cash-out refinance replaces the loan on a rental with a larger one, sized to the property’s value and qualified on its rent, and pays you the difference in cash.

Investor

Short-Term Rental (Airbnb) DSCR Loans in Orlando

A short-term rental DSCR loan qualifies a vacation rental on its nightly-rental income, using 12 months of booking history or a third-party projection such as AirDNA, instead of a long-term lease.

Home loan

Bank Statement Loans in Orlando

A bank statement loan is a non-QM mortgage that calculates self-employed income from 12 or 24 months of personal or business bank deposits instead of tax returns.

Home loan

FHA Loans in Orlando

An FHA loan is a government-insured mortgage that allows 3.5% down with a credit score of 580 or higher, or 10% down with a score from 500 to 579.

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First-Time Homebuyer Loans in Orlando

First-time homebuyer loans are mortgage options with low down payments, typically 3% conventional, 3.5% FHA or $0 VA, often paired with state or local down payment assistance.

Home loan

VA Loans in Orlando

A VA loan is a mortgage guaranteed by the Department of Veterans Affairs that lets eligible veterans, active-duty service members and certain surviving spouses buy with no down payment and no monthly mortgage insurance.

Home loan

Condo Loans in Orlando

A condo loan is a mortgage on a unit in a condominium project, and approval depends on the building as well as the buyer.

Neighborhoods in Orlando

  • Baldwin Park
  • College Park
  • Thornton Park
  • Lake Nona
  • Milk District

Why borrowers look at Orlando

Orlando has grown far beyond theme parks into a healthcare, tech, defense and logistics hub that keeps pulling relocating families. Baldwin Park and College Park offer walkable bungalow streets, Lake Nona is a master-planned medical-city community with new construction, and Thornton Park and the Milk District give downtown a local, creative edge. The housing stock is heavy on 1990s-to-newer subdivisions, townhomes and condos built for investors, and short-term rental demand near the attractions is a real factor in many purchases. Buyers find more house for the money than on either coast, and investors chase long-term rentals fed by steady job and population growth. Insurance runs cheaper than the coasts but wind coverage still matters.

Local market snapshot: Orlando

Median home value$394,100City of Orlando · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Median gross rent$1,747/moCity of Orlando · Source: U.S. Census Bureau, American Community Survey 5-year estimates
Effective property tax rate0.75% (approx.)Orange County, effective rate (approx.) · Source: SmartAsset, Florida Property Tax Calculator

Homeowners insurance: Inland location keeps Orlando premiums well below coastal Florida, but hurricane wind exposure still applies and newer roofs earn mitigation credits. Flood zones cluster around lakes, so buyers should check the flood map for the specific parcel. Investors in short-term rentals should confirm the property can be insured for that use.

Figures are the most local reliable public data available (city, then county, then statewide), each labeled above. They are context for your payment estimate, not a quote, run your scenario through our payment calculator.

Before you buy or refinance in Orlando

  • Pull the Orange County property tax bill early; it is part of every payment and DSCR calculation.
  • Get an insurance quote before you lock a price, including wind and flood.
  • For rentals, check rent comps and any local rental registration or short-term rental rules in Orlando.
  • Florida charges documentary stamp tax on new mortgage notes (35¢ per $100) and a 0.2% nonrecurring intangible tax on mortgages, both paid at closing. Condo projects face extra review after the state’s post-2022 structural-safety reforms, so condo budgets and reserve studies matter to lenders.

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Other Florida cities

Neighborhoods in Orlando

FAQ

What loans can I get in Orlando, FL?

Investor loans (DSCR, fix and flip, cash-out, short-term rental) and owner-occupied home loans (bank statement, FHA, VA, conventional and more).

Who assesses property taxes in Orlando?

Orange County. Lenders include those taxes in the monthly payment used to qualify you.

See what you qualify for

It takes about two minutes and does not affect your credit score. A licensed loan officer reviews every request.

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