Fix & Flip Loans
Short-term purchase and rehab financing for flips and fix-and-hold projects across Orlando’s established neighborhoods and growing suburbs.
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Orlando, FL
Investment Property Loans in Orlando, FL
Fix and flip, DSCR rental, and new construction financing for Central Florida real estate investors, from a team based right here in Orlando.
Belsky Mortgage, LLC is based in Orlando and arranges fix and flip, DSCR rental, new construction, and commercial loans for real estate investors in Orlando, in Orange, Osceola, and Seminole counties, and across Florida. One short intake form is reviewed against multiple private lending sources, and a soft quote can often be turned around in a few hours once we have your property details.
Investment Property Loan Programs in Orlando
DSCR Rental Loans
Long-term financing for rent-ready single-family homes, townhomes, and small multifamily in the Orlando area, qualified on the property’s rent compared to its payment (PITIA) rather than personal income.
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New Construction Loans
Ground-up financing for infill lots and new-build rental or spec projects around Central Florida, funded in draws as construction milestones are inspected.
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Commercial Loans
Bridge and permanent financing across Orlando and Central Florida, from apartment buildings and mixed-use to retail, hospitality, and self-storage, plus land and more.
Learn more about commercial loans →Local Insight
What Orlando Investors Should Know Before They Apply
Short-term rentals
Orlando’s visitor economy makes vacation rentals a common strategy, especially in Kissimmee and the Davenport area. Some DSCR lenders allow short-term rental income, but the calculation and eligibility differ. Zoning, city or county rules, and HOA or resort restrictions vary, so confirm them before you go under contract.
Insurance and roof age
Florida property insurance is a real underwriting factor. Lenders require coverage at closing, and older roofs can make a property harder to insure. Request insurance quotes early, ideally while the property is still under contract.
Block construction and older homes
Many Central Florida homes are concrete block construction, and many close-in neighborhoods have older housing stock. That makes electrical, plumbing, and roof scope worth detailing in your rehab budget so draws are approved smoothly.
Condos and HOAs
Condo and HOA properties can face extra lender scrutiny on reserves, special assessments, and rental restrictions. Tell us early if your deal involves one so we can match it to a lender that accepts that collateral.
Local Coverage
Where We Lend Around Orlando
Not listed? We lend across Florida and in all 50 states. Send us the address and we’ll confirm what’s available.
| Area | Cities and communities |
|---|---|
| Orange County | Orlando, Winter Park, Winter Garden, Apopka, Ocoee, Windermere |
| Osceola County | Kissimmee, St. Cloud, Celebration, Poinciana |
| Seminole County | Sanford, Lake Mary, Oviedo, Altamonte Springs, Winter Springs |
| Lake & Polk Counties | Clermont, Minneola, Davenport, Haines City |
Strategy Match
Common Orlando Investment Strategies and the Loans That Fit
Terms vary by lender, property, and borrower.
| Strategy | Typical loan | What drives approval |
|---|---|---|
| Buy, renovate, and sell | Fix & flip loan | Purchase price, rehab budget, ARV, experience |
| Buy, rehab, rent, refinance (BRRRR) | Fix & flip, then DSCR refinance | Rehab scope, ARV, then rent vs. PITIA and seasoning |
| Long-term rental portfolio | DSCR loan | Rent vs. PITIA, reserves, credit, property type |
| Vacation or short-term rental | DSCR (select lenders) | Projected short-term income, zoning, HOA rules |
| Build on a lot | New construction loan | Plans, budget, builder or borrower experience, exit |
What Real Estate Investors Say on Google
See what real estate investors say about working with Belsky Mortgage.
Do you offer DSCR loans for short-term or vacation rentals near Orlando?
Some lenders allow DSCR loans on short-term rental properties, but qualification methods and income calculations differ from standard long-term rentals, and eligibility depends on the lender and property. Local zoning and HOA rules also matter. Send us the property address and we’ll tell you what’s available.
Can a first-time investor get a fix and flip loan in Orlando?
Often, yes. Experience requirements vary by program. Some lenders require prior projects, while others offer options for newer investors with strong deals. Generally, the more experience a borrower has, the better the terms, such as lower rates and fees.
How do Florida insurance costs and roof age affect an investment loan?
Lenders require insurance coverage at closing, and insurability can influence whether a property works for a given loan. Older roofs and certain construction features can limit insurance options, so we recommend getting quotes before you finalize your purchase.
How quickly can I get a quote?
A soft quote often takes as little as a few hours once we have the property address, price, rehab scope, expected ARV, and your experience and liquidity. Fix and flip loans typically close in 10–15 days, and sometimes in as little as 5 days, depending on how quickly the borrower and third parties respond.
Do you lend outside of Orlando?
Yes. Belsky Mortgage serves commercial and investment real estate investors in all 50 states, so you can use us for Orlando deals and for investments elsewhere in Florida or across the country.
Have an Orlando Investment Property Deal?
Submit your loan intake form to receive personalized financing options based on your property, project, and investment strategy.
Investor education from Belsky Mortgage
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