Vacation-home STR financing for Kissimmee and the Disney area — qualifying on the home's projected short-term-rental income using AirDNA, not your W-2 or tax returns.
This guide walks through how the DSCR airbnb / short-term rental program applies specifically in the Kissimmee / Disney-area resort market — qualifying math, the realistic AirDNA haircut, the resort communities lenders know, and how to get a quote in 30 seconds.
The Kissimmee / Disney-Area Vacation-Home DSCR Profile
Kissimmee (Osceola County), just south of Walt Disney World and Universal, is one of the largest purpose-built short-term-rental markets in the country — and consistently one of our busiest STR sub-markets. Demand is fed by year-round theme-park tourism, and the inventory is unusually lender-friendly: large 4–9 bedroom resort pool homes in communities zoned and built specifically for transient rental. The program mirrors the universal Airbnb / Short-Term Rental DSCR program: we qualify the home's projected STR income against the new payment.
Resort Communities We Finance
Lenders are comfortable with the established Disney-area STR communities, including Reunion Resort, ChampionsGate, Encore at Reunion, Storey Lake, Windsor Hills / Windsor Island / Windsor at Westside, Solterra, Paradise Palms, and Sonoma Resort — plus the neighboring Orlando and Davenport corridors. These purpose-built communities tend to underwrite cleanly because short-term rental is the intended, permitted use.
Osceola County STR & Underwriting Notes
Short-term rental is permitted in designated vacation-home / transient zoning in Osceola County — which is why these resort communities exist — but you'll still need the proper county transient rental license, a Florida DBPR vacation-rental license, and to collect tourist development + sales tax. Always confirm the specific community's HOA rules and current county ordinance during diligence. On income, we typically underwrite at 70–75% of AirDNA projected gross (trailing-12 actuals when the home has booking history), and we budget realistically for management, cleaning, and pool/utility costs.
2026 Program Snapshot — Kissimmee / Disney STR
What to Expect
- Rate range: Standard DSCR pricing applies (6.50–7.75% on strong files)
- Max LTV: Per the topic-specific program — see universal Airbnb / Short-Term Rental program
- Min FICO: 620 floor; 720+ for best pricing
- Income basis: AirDNA projected revenue at a 70–75% haircut; actuals used when available
- Foreign nationals: Welcome — the Disney area draws heavy international vacation-home buyers
- Jumbo: Large resort homes welcome — programs to $5M+
- Close time: 21–30 days standard
Why Kissimmee Investors Choose DSCR Capital Partners
- Wholesale lender access — we route your vacation-home file across 8–12 wholesale DSCR programs and find the lender whose STR overlays match best.
- Resort-community underwriting experience — Kissimmee is one of our busiest STR markets; we know how lenders treat AirDNA on Disney-area pool homes.
- Foreign national & jumbo capable — the international buyers and large resort homes that cap out other brokers are routine for us.
- Direct loan officer access, 21–30 day close standard.
Get a Kissimmee Vacation-Home DSCR Quote
30-second eligibility check. No credit pull. No commitment.
Check My Eligibility →Related Resources
- DSCR Loans in Florida — 2026 State Guide
- Airbnb / Short-Term Rental DSCR Program — Full Details
- Orlando Airbnb / Short-Term Rental DSCR Loans
- STR Market Outlook 2026
- DSCR Glossary
DSCR Capital Partners is a brand of UTM Financial, LLC (NMLS #2591548). For business-purpose, non-owner-occupied investment properties only. Informational only; not a loan commitment. Short-term-rental regulations and HOA rules change frequently — verify current Osceola County / community requirements before purchase. Equal Housing Lender.