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Mediterranean-style stucco vacation home with a barrel-tile roof and screened pool in Kissimmee, Florida
STR-legal legality checked 2026-05-08

Will Your Airbnb Qualify for a DSCR Loan in Kissimmee, FL?

In Kissimmee, short-term rentals are legal with local registration and no night cap. A typical 3-bedroom projects around $58,000/yr from comparable listings, and 9 STR lenders will qualify the loan on that projection with no rental history — run your exact address to see the cap-adjusted DSCR and which lenders’ floors you clear.

Disney-adjacent; large purpose-built STR-resort communities in designated zones.

STR Feasibility EngineRevenue × legality × DSCR × lenders

We check the city’s current STR ordinance — caps, permits, primary-residence rules — and adjust revenue for it.

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Free · No credit pull · Legality included · Not a call center

Revenue band

Typical STR revenue in Kissimmee

Annual gross revenue by bedroom count — median of 26 comparable listings within 1 mi, trailing 12 mo (AirROI + Rabbu comps, as of 2026-05-25).

BedroomsP25MedianP75
1 BR$25,000$32,000$39,000
2 BR$35,000$45,000$55,000
3 BR$45,000$58,000$71,000
4 BR$57,500$74,000$90,500
5 BR$70,000$90,000$110,000

The ordinance

Is short-term rental legal in Kissimmee?

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.

Source: Osceola County / City of Kissimmee STR ordinance · last checked 2026-05-08.

Worked example · $495,000 3BR, 25% down

1.47×cap-adjusted STR DSCR
9 lenders clear

Illustrative; run your exact address and price above for your numbers.

Living rates

Today’s STR DSCR rate range

STR-overlay rates (70–75% LTV), updated 2026-06-13. Estimates; not a commitment to lend.

760+ FICO
7.7%
+0.6% STR overlay
740-759 FICO
7.85%
+0.6% STR overlay
720-739 FICO
8.15%
+0.6% STR overlay
700-719 FICO
8.45%
+0.6% STR overlay
See the full living rates table →

FAQ

Kissimmee STR financing 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.
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 down payment and LTV do STR DSCR loans require?
Most STR DSCR programs want 25–30% down (70–75% LTV) — slightly more than a long-term-rental DSCR loan, reflecting the variability of nightly income. A stronger cap-adjusted DSCR and credit band can unlock the higher-LTV tier.
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.
Do lenders trust AirDNA or Rabbu revenue numbers?
Some STR-specialist lenders accept a data projection (AirDNA/Rabbu) directly; others want the same revenue expressed through an appraiser’s Form 1007. Either way, the comp count, radius, and trailing-12-month window behind the figure determine how defensible it is.
How does STR insurance affect my DSCR?
STR carriers price coverage materially higher than a standard landlord policy, so we model insurance higher than a long-term rental inside PITIA. That extra cost is a real DSCR haircut most pro-formas miss — the engine bakes it in.

Related

Kissimmee STR laws Qualify with no history STR DSCR requirements

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 your Kissimmee address. Get the honest verdict.

Free · No credit pull · Legality included · Not a call center.

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