Vacation Rental Financing Florida: Smart Financing for Florida's Thriving Short-Term Rental Market
Florida’s vacation rental market — from the Orlando theme park corridor to Gulf Coast retreats — generates some of the strongest rental yields in the country. The right financing structure maximizes your returns from day one. We specialize in STR-eligible DSCR programs, vacation rental qualification, and LLC-friendly investor financing across Florida’s top short-term rental markets.
Kelly Nadeau NMLS #1027618 · Ray Nadeau NMLS #1027617 · Licensed in Florida · Equal Housing Lender
Not a commitment to lend. Subject to credit approval and program guidelines.
Kelly & Ray Nadeau
Vacation rental and short-term rental loan specialists. Airbnb, VRBO, and STR-eligible DSCR programs for Florida investors. NMLS #1027618 & #1027617. Licensed in Florida. Serving Central Florida and statewide.
Qualify on Short-Term Rental Income
Not all DSCR lenders accept short-term rental income — and lender selection is one of the most critical decisions for vacation rental investors in Florida. We have access to programs that specifically accommodate Airbnb, VRBO, and other short-term rental income streams, using AirDNA market data or documented rental history to establish qualifying income.
Vacation Rental Financing Options
- STR DSCR Loan: Qualify on AirDNA-projected or documented short-term rental income. LLC-friendly. No personal income required.
- Market Rent DSCR: Qualify on conservative long-term market rent appraisal — typically lower income figure but available from more lenders.
- Conventional Investment Property: Standard investor pricing. Personal income required. Up to 10 properties Fannie Mae limit applies.
- Second Home with Rental Intent: Favorable rates when property meets second home criteria with limited personal use.
Searching for Florida vacation rental investment properties? Our real estate partner CertainlySold.net specializes in Central Florida investment real estate. Read Florida short-term rental market analysis at FLHomesMagazine.com.
Florida’s Top Vacation Rental Markets
- Disney / I-192 Corridor: Highest STR occupancy in Florida, driven by 75M+ annual theme park visitors
- Kissimmee & Celebration: Premier vacation home communities with proven Airbnb track records
- Orlando Metro: Convention center, sports, and entertainment driving year-round STR demand
- Daytona & New Smyrna Beach: Coastal markets with year-round visitor traffic
- St. Augustine: Heritage tourism driving consistent short-term rental demand
What STR DSCR Programs Require
- Credit score typically 680–720 minimum
- 20–25% down payment
- AirDNA data or 12+ months rental history
- 6–12 months PITIA reserves
- DSCR ratio 1.0+ on STR income
- LLC closing available on most programs
Standard DSCR programs for buy-and-hold long-term rentals across Central Florida.
DSCR Loan Details →Questions Answered
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Ready to Finance Your Florida Vacation Rental?
Talk to Kelly or Ray about STR-eligible DSCR programs for your next Florida vacation rental acquisition.
Kelly Nadeau NMLS #1027618 · Ray Nadeau NMLS #1027617 · Equity Smart Home LoansNot a commitment to lend. All loans subject to credit approval and program guidelines. Rates subject to change without notice.