Mortgage strategy for Orlando, FL
Investment and short-term-rental properties, plus first homes from Lake Nona to Winter Park — financing for a fast-growing market.
Orlando is one of the country's fastest-growing metros, and it draws two very different buyers: first-timers chasing new-construction affordability, and investors chasing rental and short-term-rental yield. The financing for each is worlds apart, and getting it right starts with naming the goal.
For investors, DSCR loans that qualify on the property's income — not your personal tax returns — have become the workhorse here, especially near the tourism corridor. Sam structures them with the rental math and any short-term-rental rules in view.
Programs matched to Orlando buyers
DSCR and conventional investment loans (including short-term-rental scenarios); FHA and 3%-down conventional for first-time buyers; new-construction financing; and refinances — across 50+ wholesale lenders.
2026 conforming loan limit in Orange County (FL)
Orange County, Florida uses the national baseline conforming limit of $832,750. Orlando's price points mostly fall within it, so buyers typically use conforming or investment financing, with jumbo available on higher-priced homes.
Neighborhoods across Orlando we work in
From Lake Nona and Baldwin Park to Winter Park and Dr. Phillips, Sam works with first-time buyers and investors across the Orlando area.
Questions Orlando buyers ask
What is the 2026 conforming loan limit in Orange County, Florida?
Orange County, Florida (Orlando) uses the national baseline, so the 2026 one-unit conforming loan limit is $832,750. Most Orlando homes price within that; purchases above $832,750 move into jumbo, which Sam also handles.
Can I finance an investment or short-term-rental property in Orlando?
Yes. Orlando is a strong rental market, and Sam frequently uses DSCR loans that qualify on the property's cash flow rather than your personal income — structured with the local rental and short-term-rental picture in mind.
Start my Orlando financing plan Run the numbers first
Explore loan programs and calculators, or see other areas we serve: Tampa, Jacksonville, Miami.
Sam Razavi · NMLS #985351 · originating through C2 Financial Corporation, NMLS #135622. Not a commitment to lend. Equal Housing Opportunity.