Mediterranean-style stucco vacation home with a barrel-tile roof and screened pool in Kissimmee, Florida

STR-legal

Short-term rental laws in Kissimmee, FL

Last updated 2026-05-08·Source: Osceola County / City of Kissimmee STR ordinance

The current rules

What Kissimmee actually requires

Short-term rentals are permitted in designated tourist and STR-resort zoning, which is why the Disney-adjacent vacation-home communities exist.

Licensing, safety inspection, and tourist-development tax apply; there is no night cap in the designated zones.

Buy inside an approved STR zone and projected revenue is not adjusted for legality; outside it, zoning can restrict use.

Does it still pencil?

A $495,000 3BR at 25% down

1.47×cap-adjusted STR DSCR

Pencils — 9 STR lenders clear the floor at this ratio.

Run your Kissimmee address

FAQ

Kissimmee STR-law questions

Is short-term rental legal in Kissimmee?

Kissimmee and Osceola County allow short-term rentals in designated tourist/STR-resort zones with licensing and tax collection — the model behind the area’s purpose-built vacation-home communities. (Source: Osceola County / City of Kissimmee STR ordinance, as of 2026-05-08.) Always confirm current rules with the jurisdiction before purchasing.

How much does an Airbnb make in Kissimmee?

A typical 3-bedroom projects around $58,000/yr from 26 comparable listings within 1 mi, trailing 12 months (AirROI + Rabbu comps). Revenue scales with bedroom count and amenities; lenders verify via Form 1007 or operating statements.

Do Kissimmee lenders accept projected Airbnb income?

Yes — 9 STR-specialist lenders qualify on a market projection or a Form 1007, so you can buy before you have a rental history. Run the address to see which clear your DSCR.

Will the rules in Kissimmee change?

Likely — STR ordinances are moving city by city in 2026. This page was last checked 2026-05-08; we re-check on a monthly minimum and on ordinance events. Confirm the current rule with Kissimmee before closing.

Can I get a DSCR loan on an Airbnb with no rental history?

Yes. 9 of the 10 STR lenders we track qualify the loan on a market revenue projection (AirDNA/Rabbu) or an appraiser’s Form 1007 short-term-rent schedule, so no operating history is required for many programs.

What DSCR do STR lenders require?

Most set a floor around 1.0 on the cap-adjusted DSCR (revenue ÷ PITIA). Some offer no-ratio or sub-1.0 STR programs at a premium for thinner deals. The engine shows your ratio against each lender’s specific floor.

How current is this information?

Revenue and rate figures render from the data layer with an “as of” date; STR legality is re-checked on a monthly minimum and on ordinance events, because stale legality is worse than none. Every status shows when it was last checked and a source to verify.

Kissimmee feasibility All cities STR → MTR pivot

Legality: Short-term-rental rules change frequently and vary by city, county, and HOA. Legality shown reflects publicly available sources as of the date displayed; it is not legal advice or a permitting determination. Confirm current rules, permits, and HOA/condo restrictions with the local jurisdiction before purchasing.

Revenue: Projected revenue is an estimate from comparable listings and is not a forecast of your results. Lenders independently verify income, typically via appraisal (Form 1007/1008) or 12-month statements. This is not a loan decision or offer.

Run a Kissimmee address before you buy.

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