Financing for Central Florida real estate investors and short-term rental (Airbnb/VRBO) properties near Walt Disney World — qualify using the property's rental income, not your personal income.
Estimate your DSCR ratio, cap rate, and cash-on-cash return before you make an offer — then send your numbers directly to Ryan for a real read on the deal.
Try the Deal Analyzer →A DSCR (Debt-Service Coverage Ratio) loan is designed for real estate investors and doesn't rely on your personal income, tax returns, or W-2s. Instead, it looks at whether the property's rental income covers its debt payments — which makes it a natural fit for investors who own several properties, are self-employed, or are buying a vacation rental that doesn't fit a conventional loan's owner-occupancy requirements.
Icon Mortgage Group underwrites DSCR loans for both long-term rentals and short-term (Airbnb/VRBO) rentals, using the property's actual or projected rental income.
Central Florida is one of the country's largest short-term rental markets, and the towns that ring Walt Disney World — Kissimmee, Championsgate, Davenport, Reunion, and Windermere — are where much of that vacation-rental demand lives. Icon Mortgage Group is headquartered in Orlando and works directly with investors buying, refinancing, or cash-out refinancing short-term rental properties in these markets.
Qualify on the subject property's rental income instead of personal income documentation.
Programs for traditional leased rentals and Airbnb/VRBO short-term rental properties alike.
Headquartered at 189 S Orange Ave in downtown Orlando, with loan officers who know the local short-term rental submarkets.
Down payment, rate, and documentation requirements vary by property and borrower — talk to a loan officer for current terms on your scenario.
This is the detail that matters most for a vacation-rental purchase: some DSCR lenders will only qualify a property using a long-term market-rent estimate (a "1007" rent schedule), which can significantly understate what a well-run Airbnb or VRBO near Disney actually earns. Other DSCR programs will qualify the loan using projected or actual short-term rental income instead — a meaningful difference for a property with strong vacation-rental revenue but a lower long-term lease value. Icon Mortgage Group works with multiple DSCR outlets so we can match your property to a program that fits how it's actually going to be used, and can also discuss condotel eligibility and LLC vesting where relevant to your purchase.
Based in Orlando, works directly with Central Florida investors on DSCR and short-term rental financing near Disney and across the state.
View my page →Additional investor loan officer: William Messenger, NMLS# 2360569 — DSCR & Foreign National financing, licensed in FL, TX & OH.
A DSCR (Debt-Service Coverage Ratio) loan qualifies a borrower based on the property's rental income relative to its debt payments, instead of the borrower's personal income, tax returns, or W-2s.
Yes. We offer DSCR loans underwritten using a property's projected or actual short-term rental income, common for Airbnb and VRBO vacation homes in Kissimmee, Championsgate, Davenport, and Reunion.
No. DSCR loans qualify on the subject property's rental income rather than the borrower's personal income, so tax returns, W-2s, and employment verification are typically not required.
In many cases, yes — DSCR loans for short-term rentals can be qualified using projected rental income rather than requiring existing rental history. Exact requirements depend on the specific program, so a loan officer can confirm what applies to your scenario.
Some DSCR programs qualify a property only using a standard long-term market-rent estimate (a 1007 rent schedule), which can understate a well-performing Airbnb or VRBO's actual income. Others qualify using the property's projected or actual short-term rental income instead — we work with multiple DSCR outlets to match your property to the program that fits.
We're licensed throughout Florida, including the Central Florida vacation-rental markets around Orlando and Walt Disney World such as Kissimmee, Championsgate, Davenport, Reunion, and Windermere.
Each Disney-area vacation rental community has its own HOA rules, property mix, and rental demand profile. We've put together a dedicated financing guide for the ones we finance most often.
No obligation, no hard credit pull required for an initial conversation.
Talk to a Loan OfficerIcon Mortgage Group, powered by Mpire Financial Group LLC · NMLS# 2108504. Equal Housing Lender. This is not a commitment to lend. All loans subject to credit approval. Programs and terms vary by state and property.