Can you use AirDNA or projected Airbnb income to qualify for a DSCR loan in Orlando?
On many DSCR programs, yes — some lenders will qualify a short-term rental using AirDNA or other projected vacation-rental income instead of a standard long-term market-rent estimate (a 1007 rent schedule). Not every DSCR program works this way, which is why it helps to work with a broker who shops multiple DSCR outlets rather than a single lender. Send me your property and I'll tell you which type of program fits.
How much down do I need for an Orlando DSCR loan?
It depends on the lender, the property, and how strong its projected rental income is, so I can't quote one number for every scenario — but I'll run your specific deal and give you real figures, not a generic estimate.
Can an LLC buy an Airbnb with a DSCR loan?
Many DSCR programs allow title to be held in an LLC or other business entity, which is common among short-term rental investors for liability and organizational reasons. Requirements vary by lender, so let's talk through how you want to hold title before picking a program.
DSCR vs. conventional financing for a Disney-area short-term rental — which is better?
It depends on the property and your goals. Conventional loans can offer lower rates but typically require personal income documentation and may not count projected short-term rental income. DSCR loans skip the personal income requirement and can qualify off actual or projected rental income, which is often the better fit for a dedicated Airbnb or VRBO property. I can walk through both side by side for your specific deal.
Can I finance a short-term rental in Reunion, ChampionsGate, or Windsor Hills?
Yes — I work with investors buying and refinancing short-term rental properties throughout the Disney-area resort communities, including Reunion, ChampionsGate, Windsor Hills, Windsor at Westside, Storey Lake, Solara, Kissimmee, Davenport, and Clermont. Some of these communities have HOA rules or resort-fee structures that affect financing, so it helps to talk through the specific property early.
Are you licensed to finance investment properties outside Florida?
Yes — Icon Mortgage Group is licensed in 33 states plus D.C. and Puerto Rico, so I can also work with out-of-state investors buying Central Florida vacation rentals, subject to standard licensing and program requirements.
