ORLANDO RENTAL LOANS
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  • FAQ
  • Contact

Orlando Rental Loans
​407-604-2320

Frequently Asked Questions

What types of rental loans do you offer in Orlando?
We offer a wide range of rental property loan options in Orlando, including:
  • DSCR loans (based on rental income)
  • 30-year fixed rental loans
  • Short-term hard money rental loans
  • Cash-out refinance loans for rental properties
  • Loans for Airbnb and short-term rental properties

What is a DSCR loan and how does it work?
A DSCR loan (Debt-Service Coverage Ratio loan) is a type of real estate loan where the lender qualifies the borrower based on the cash flow of the rental property, not personal income. These are ideal for investors with strong rental income but complex or non-traditional finances.

Do you offer fix and flip loans in Orlando?
Yes! We specialize in fix and flip loans in Orlando, providing short-term funding to purchase, renovate, and sell residential properties. Our hard money fix and flip loans close fast and cover both acquisition and rehab costs.

Can I get a rental loan in Orlando with bad credit?Absolutely. Many of our Orlando hard money loans are based on the property's value and rental income—not your credit score. We work with borrowers with credit challenges, self-employed investors, and foreign nationals.

How fast can I close on an investment property loan?
We can close in as little as 5–10 days, depending on the loan type. DSCR loans and fix and flip loans can move quickly with complete documentation.

Do you offer loans for Airbnb or short-term rental properties?
Yes, we fund short-term rental and Airbnb properties in Orlando. We evaluate projected rental income and market demand to qualify your deal, using DSCR loan programs tailored for vacation rentals.

​What are the minimum requirements for a hard money loan in Florida?
Most of our Orlando hard money loans require:
  • A 600+ FICO score (in most cases, but exceptions available)
  • A solid investment property deal
  • Proof of down payment funds (usually 15–20%)
  • Property must be non-owner occupied
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Can I get a loan as a first-time investor?
Yes, first-time real estate investors can qualify for rental home loans, DSCR loans, and hard money loans in Orlando—even with no experience. Our investor-friendly programs are designed for new buyers looking to purchase their first rental property, fix and flip project, or short-term Airbnb using flexible, low-doc financing options.

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Do you lend on multi-family rental properties?
Yes, we lend on 1-4 unit residential properties, small apartment buildings, and multi-family rental properties in Orlando. DSCR loan programs and hard money loans are both available for multi-family investors.

What areas around Orlando do you serve?
We provide rental, fix and flip, and DSCR loans across:
  • Orlando
  • Sanford
  • Winter Garden
  • Clermont
  • Davenport
  • Kissimmee
  • Lake Mary
  • Oviedo
  • Altamonte Springs
    …and throughout Central Florida!

​407-604-2320
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