Central Florida Coverage

Hard Money & DSCR Loans in Orlando

Orlando combines steady population growth, strong rental demand, and a deep STR market. We fund the strategies that work.

Pimlico Capital funds bridge and 30-year DSCR rental loans across Orlando and surrounding Orange County. From traditional DSCR rentals near the I-4 corridor to short-term-rental holds near the theme parks, we fund the strategies investors actually use in this market. Asset-based underwriting, fast closings, in-house team.

Get a Quote for a Orlando Deal Call (410) 855-4600
Orlando city skyline
Orlando
5–7 daysTypical close on Orlando bridge deals
70% LTVUp to, with 100% rehab funding
10+Orlando neighborhoods we know
Loan Products Available in Orlando

What We Fund Here

Both of our core products are available in Orlando to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Short-term

Bridge & Fix-and-Flip

  • Up to 90% of purchase, 100% of rehab
  • 6–18 month terms, extensions available
  • Close in as little as 5–7 business days
  • $75K minimum, $3M maximum
Bridge loan details →
Long-term

30-Year Rental (DSCR)

  • Up to 80% LTV on purchase or rate & term refi
  • 30-year fixed amortization
  • No personal income documentation
  • $75K – $1.5M per property, portfolio loans available
DSCR rental details →
Neighborhoods We Know

Orlando Neighborhoods We Fund

Active book and on-the-ground knowledge — fix-and-flip, BRRRR, and 30-year DSCR holds across Orlando.

Audubon Park

Walkable, food-scene neighborhood with steady investor demand. Bungalow flip and DSCR territory.

Mills 50

Active fix-and-flip market. Tight inventory and strong ARV growth.

College Park

Bungalow and small-multifamily plays. Premium ARVs on completed flips.

Thornton Park

Downtown-adjacent. Mix of historic homes and condo plays.

Parramore

Value-add territory near downtown. Earlier-stage deal sizes with rising ARVs.

Ivanhoe Village

Lakefront-adjacent. Steady investor activity and reliable comps.

SoDo

South of Downtown. Active fix-and-flip and rental territory with strong rent-to-price spreads.

Baldwin Park

Established neighborhood with reliable DSCR cash flow on rental holds.

Lake Nona

Newer construction. We fund both bridge and DSCR on new-build and recently completed properties.

Conway & Hourglass District

Workforce-housing DSCR territory with consistent tenant demand.

Local Expertise

What we actually know about Orlando

A non-exhaustive list of the Orlando-specific things we deal with every day.

  • Orange County permitting and how it affects draw scheduling.
  • Short-term-rental zoning around the theme parks — what's allowed where.
  • FEMA flood zones (especially around Lake Conway and Lake Underhill).
  • Property insurance market in Central Florida — premiums and how to model them into DSCR.
  • HOA-controlled neighborhoods and how to underwrite the rental restrictions.
  • STR licensing through Orange County and the City of Orlando.

Why local knowledge matters

A national lender with a call center won't know that a Orlando deal has its own underwriting quirks. We've closed thousands of deals across our footprint — and we've learned from every local curveball.

See real deals →
Common Questions

Orlando Lending FAQ

Do you lend in Orlando?
Yes. Orlando and Orange County are active Florida markets for us. We fund both bridge / fix-and-flip and 30-year DSCR rental loans.
Can I get a DSCR loan on a short-term rental in Orlando?
Yes, in zones where STR is permitted. We can use verified Airbnb / VRBO booking history to qualify the DSCR. We confirm zoning compliance upfront.
How fast can you close on an Orlando deal?
We typically close Orlando bridge loans in 5–7 business days. Title and permits are local.
Do you fund new-construction or new-build DSCR holds in Lake Nona?
Yes. We fund DSCR rentals on recently completed new construction once a CO is in place and rental comps are available.
Do you fund HOA-controlled properties?
Yes, as long as the HOA rules permit non-owner-occupied use. We confirm HOA rental restrictions during underwriting.
What's the minimum loan size in Orlando?
Bridge loans start at $75K. DSCR rentals start at $75K per property, with portfolio options for investors with multiple holdings.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local market knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Investor Education

From the Blog

Investor playbooks — bridge, DSCR, BRRRR, and rehab fundamentals — from our team. See every market we serve on our Where We Lend page.

Ready to close a deal in Orlando?

Get a quote in 24 hours or call us right now.

Get a Orlando rate Call (410) 855-4600

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