Central Florida investors get loans structured around tourism-driven short-term rentals, workforce housing, small apartments, and commercial income property, with income documentation that reflects how the property actually performs.
Talk through a propertyOrange and Osceola County investors often own vacation rentals near the parks, long-term workforce housing in east Orlando and Kissimmee, small multifamily along Colonial Drive and US-192, and retail, office, or mixed-use buildings on commercial corridors. Tourism income can look strong on paper and thin under DSCR if you only show peak-week Airbnb screenshots.
Capituro matches Orlando-area properties to program lanes by unit count and use: 1 to 4 Unit DSCR on stabilized long-term and documented short-term rentals, Apartment DSCR on apartment buildings, and Interest-Only Apartment Loans when you want the payment to stay interest-only, Commercial DSCR on retail, office, warehouse, self storage, mixed use, and other income property, bridge when units are still turning after renovation, and cash out when seasoning and value support the pull.
Resort-style communities in Kissimmee, Davenport, and south Orlando hold large stocks of townhomes and single-family STR inventory. DSCR may use operating history, market rent, or lease income depending on the program. HOA rules on minimum stay length and rental registration matter as much as gross booking revenue.
East Orlando, Avalon Park, Lake Nona edges, and older Kissimmee subdivisions offer long-term rentals often purchased between $280K and $420K. These typically fit 1 to 4 Unit DSCR when stabilized with conventional leases.
Six to twelve unit buildings appear along Colonial, Pine Hills corridors, and older Orlando pockets. Five units triggers small multifamily DSCR. Larger stabilized buildings may need Interest-Only Apartment Loans with full NOI documentation. Neighborhood retail, professional office, medical office, and mixed use on corridor highways fit Commercial DSCR when leases and NOI support purchase, refinance, or cash out.
Larger stabilized apartments needing NOI-based refinance or cash out.
Program detailsSmaller apartment buildings outside pure vacation-home stock.
Program detailsEquity pull after stabilization on workforce, documented STR, multifamily, and commercial property.
Program detailsRetail, office, warehouse, daycare, self storage, mixed use, and automotive on Central Florida corridors.
Program detailsLong-term rentals and documented short-term rental where programs allow.
Program detailsLenders often need trailing operating history, a third-party market rent analysis, or conventional lease income. Projected occupancy from a revenue management tool alone is usually not enough.
Master HOAs in vacation communities may require minimum stays, approved managers, or cap investor units. Those rules affect both daily operations and refinance eligibility.
Park-adjacent STR deals need conservative vacancy assumptions in underwriting, not peak-season occupancy alone.
