Non-QM Mortgage Specialists • Orlando, FL • FL MBR4882
Non-QM Mortgage Loans in Orlando — STR, DSCR & Vacation Rental Financing
Orlando is the US capital of short-term vacation rentals. From the Disney corridor in Kissimmee to Dr. Phillips and Winter Park, we specialize in STR DSCR loans, traditional DSCR investment financing, and bank statement programs for Orlando’s large self-employed workforce.
Top STR
US vacation rental market
75M+ visitors
per year in Orlando
DSCR available
for STR properties
21 Days
typical close
Orlando: The Short-Term Rental Capital of the US
Greater Orlando attracts over 75 million visitors per year and hosts one of the most active vacation rental markets in the world. Communities in the Disney corridor — Kissimmee, Davenport, Champions Gate, Reunion Resort, and the communities of Osceola County — are purpose-built for short-term rental investment. STR occupancy rates are among the highest in the country, producing DSCR ratios that easily support Non-QM loan qualification. Beyond the tourist corridor, Orlando has grown into a major metropolitan area with a diversifying economy. Healthcare at AdventHealth and Orlando Health, a growing tech sector, and the aerospace and defense industries in Brevard County all produce self-employed and 1099 borrowers well-served by Non-QM programs.
Who We Serve in Orlando
- STR investors purchasing vacation homes in the Disney corridor
- Healthcare professionals at AdventHealth and Orlando Health systems
- Tourism, hospitality, and entertainment business owners
- Aerospace and defense contractors in the Orlando-Brevard area
- Remote workers relocating to Orlando from high-cost metros
- Self-employed professionals throughout the metro area
Orlando Investors
- Airbnb and vacation rental investors in Kissimmee and Champions Gate
- DSCR long-term rental investors throughout Orange and Osceola counties
- Out-of-state investors purchasing Orlando cash-flow properties
- Fix-and-flip investors in transitional Orlando and Sanford neighborhoods
- Multifamily investors in Orange, Osceola, and Seminole counties
- Retirees buying second homes in The Villages and surrounding areas
Non-QM Loan Programs Available in Orlando
All programs available for purchase, refinance, and cash-out in Orlando and surrounding FL markets.
Bank Statement Loans
Qualify using 12–24 months of bank deposits. The #1 program for self-employed Orlando borrowers.
DSCR Loans
Property cash flow qualifies you. No personal income required. Scale your Orlando rental portfolio.
Short-Term Rental Loans
Airbnb and VRBO income accepted. AirDNA projections count for Orlando-area STR properties.
Fix & Flip Loans
ARV-based bridge financing. Close in 5–14 days on Orlando-area rehab deals.
Asset Depletion Loans
Convert investment accounts and savings into qualifying income — no job required.
Hard Money & Bridge
7–14 day closings on Orlando-area deals. Asset-based, minimal documentation.
Ground Up Construction
Spec builder and owner-occupied construction financing for Orlando and surrounding areas.
P&L Statement Loans
CPA-prepared P&L replaces tax returns. Simplest doc path for Orlando business owners.
Large Loans to $35M
Portfolio lenders for luxury and large commercial transactions in the Orlando market.
Commercial Real Estate
Office, retail, industrial, and special-use commercial loans in Orlando.
Cannabis-Friendly Loans
State-licensed cannabis business owners approved where banks decline.
Non-QM Mortgage FAQ — Orlando
Can I qualify for an Orlando STR loan without existing rental history?
Yes. New STR purchases in the Orlando market qualify using AirDNA market projections for the specific property address. Disney-corridor communities have excellent AirDNA data supporting strong income projections.
What is a good DSCR ratio for Orlando vacation rentals?
Orlando vacation rentals in well-located communities (Champions Gate, Reunion, Solara, Storey Lake) often produce DSCR ratios between 1.20 and 1.50. Higher occupancy and average nightly rates in this market support strong qualification.
Do you serve The Villages and retirement communities?
Yes. The Villages and surrounding retirement communities in Lake and Sumter counties are served. Retirees without W-2 income often qualify via asset depletion — converting investment accounts and savings into qualifying income.
What areas in Central Florida do you cover?
Orange, Osceola, Seminole, Lake, Volusia, Brevard, Polk, and Sumter counties — covering all of metropolitan Orlando, Kissimmee, Sanford, Daytona Beach, Space Coast, and Lakeland.
Why Abo Capital for Your Orlando Mortgage?
- 35+ years originating Non-QM loans in California, Florida, and Texas
- $500M+ funded across all three states for self-employed and investor borrowers
- 15+ loan programs — we find the one that works for your situation
- 50+ lender relationships — we shop the market, you get the best terms
- 24–48 hour pre-approval response on most programs
- 21-day closings on standard Non-QM; 7–14 days on hard money
- Licensed in CA (BRE 01167081), FL (MBR4882), and TX (SML)
- NMLS #1763084 — call us directly: (310) 312-1200
Ready to Get Approved in Orlando?
Tell us your situation — self-employed, investor, or both — and we’ll find the right program in 24 hours. No commitment required.