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Investment property loans · Orange County, FL

Hard money, fix and flip and DSCR loans in Orlando, FL

Orlando investors choose between the 1920s neighborhoods around downtown, such as College Park, Thornton Park and Lake Eola Heights, and newer planned areas like Baldwin Park and Lake Nona. For rental investors, the city's home-sharing rules matter: a host must live on site and be present, and whole-house short-term rentals are limited to certain zoning districts, so plan most residential deals around long-term rents or resale.

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Where investors buy

Neighborhoods investors look at in Orlando

Some of the city's oldest homes sit in downtown-area neighborhoods built during the 1920s land boom, including College Park with its brick streets, while Baldwin Park and Lake Nona are newer planned communities and downtown is dominated by high-rise towers.
College ParkSubdivisions platted in the 1920s boom on oak-lined brick streets named for universities, plus the 1950s Ardsley Manor section with larger lots and homes.
Thornton Park and Lake Eola HeightsSingle-family streets near Lake Eola that contain some of the oldest homes in Orlando.
ParramoreA historically Black neighborhood west of downtown, cut off by I-4, where some blocks get city services and neighboring blocks get county services.
Baldwin ParkA planned neighborhood built on the former Naval Training Center Orlando, which closed by the end of 1999.
Lake NonaA growing area southeast of downtown anchored by a health district and town center.

Loan programs

Loans for Orlando real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Orlando

30-year loans for Orlando rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Orlando

Buy and renovate in Orlando with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Orlando

Close quickly on a Orlando property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Orlando

Financing for new builds in Orlando, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Orlando

Financing for Orlando apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Orlando

Local rules and costs that change a deal's numbers or closing date in Orlando and Orange County. Sources are listed at the bottom of the page.
  • If you plan a short-term rental, check the city's home-sharing rules first: the resident must live on site and be present, only one booking is allowed at a time, renting out an entire unit is not allowed as home sharing, and registration must appear in any online listing.
  • Confirm the jurisdiction: Orlando's city limits are interspersed with pockets of unincorporated Orange County, so permits, code enforcement and rental rules may come from the county even with an Orlando mailing address.
  • Budget for Florida's documentary stamp tax on the deed, 70 cents per $100 of the price in Orange County.
  • Before buying a unit in a condo building of three or more habitable stories, ask for the structural integrity reserve study and, once the building is 30 years old (25 where the local building official requires it), the milestone inspection, both required under Florida law.

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Have a Orlando property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Orlando: common questions

Do you offer hard money loans in Orlando?

Yes. United Lending LLC offers private real estate financing for investors in Orlando and the rest of Orange County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Orlando?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in College Park, Thornton Park and Lake Eola Heights and Parramore, among other parts of Orlando.

How much can I borrow for a Orlando flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Orlando?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Orlando or have a Florida LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Florida, your loan officer will tell you what's needed before closing.

Florida

More places we lend in Florida

Sources (6)Checked November 9, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Orlando: home sharing
  2. City of Orlando: Check your address (city or unincorporated county)
  3. Wikipedia: Orlando, Florida (city limits and neighborhoods)
  4. Fla. Admin. Code R. 12B-4.012: documentary stamp tax rate
  5. Florida DBPR: condominium milestone inspections and SIRS
  6. Wikipedia: College Park (Orlando)