Hard Money Loans Kissimmee, Florida
Finance a Kissimmee flip, bridge, or ground-up project on the deal — not your income. Minutes from Walt Disney World, Kissimmee is Florida’s premier short-term rental market, where vacation-home flips and STR-ready builds along US-192 draw nightly-rate demand year round. Direct lender funding in as few as 5 days.
- Asset-based — we lend on the deal, not your income or tax returns
- Up to 95% LTC · 90% of purchase · 100% of rehab
- Fix & flip, bridge & STR-ready | Disney-area vacation rentals | fast close
- SF, 2–150 unit, multifamily, mixed-use, industrial, commercial & ground-up
- Interest-only or 30–40 yr amortized options · close in as few as 5 days
Get Your Free Quote! No Credit Pull Required.
Kissimmee Hard Money Loans — Key Facts (2026)
- What it is: A fast, asset-based loan secured by the property — funded on the deal, not your personal income.
- Best for: Vacation-home flips, short-term-rental value-add, and ground-up near Disney
- Leverage: Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV. Rates: from 7.875% · 1–3 points.
- Terms: Interest-only or 30–40 year amortization options. Funding: as fast as 5 days.
- Property types: SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial & ground-up construction.
- Lender: CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK.
Hard Money in Kissimmee
What is a hard money loan in Kissimmee, Florida?
A Kissimmee hard money loan is a fast, asset-based loan funded on the deal — purchase, rehab, and after-repair value (ARV) — not your tax returns. Kissimmee is Central Florida’s top short-term rental market, so we underwrite deals around nightly-rate revenue and STR-approved communities near Disney, not just resale comps. We lend up to 95% LTC, 90% of purchase, and 100% of rehab, with interest-only or 30-40 year amortization options, and fund rehab on draws. Vacation-home flips off US-192 and pool-home upgrades pencil best when ARV and projected STR income are both underwritten.
| Secured by | The property (asset-based) — no personal income used |
| Max leverage | Up to 95% LTC · 90% of purchase · 100% of rehab · up to 75% ARV |
| Rates from | 7.875% (deal-dependent) · 1–3 points |
| Terms | Interest-only or 30–40 year amortization options |
| Funding speed | As fast as 5 days · rehab draws available |
| Property types | SF, 2–150 unit, multifamily, mixed-use, condos, industrial, commercial, ground-up |
| Area | Osceola County |
Eligible properties
Kissimmee hard money property types
We finance investment and business-purpose real estate across the board — residential, multi-family, and commercial, plus ground-up construction:
How we compare
CambridgeHomeLoan vs. Top National Hard Money Lenders
In Kissimmee, the gap between a broker and a direct lender is real money and real days. Here is how our terms compare with the national hard money lenders most Kissimmee borrowers run into.
Kissimmee investors shop hard money on leverage, speed, and cost. Here is how our program stacks up against the terms commonly advertised by top national hard money lenders. Where we lead, it is highlighted.
| Feature | CambridgeHomeLoan | Top National Lenders (typical) |
|---|---|---|
| Max LTC | Up to 95% | Typically 85–90% |
| Of purchase | Up to 90% | 80–85% |
| Of rehab | 100% | 100% (on draws) |
| Max ARV | Up to 75% | 65–70% |
| Rates from | 7.875% | ~9.5–12%+ |
| Amortization | IO or 30–40 yr options | Interest-only only |
| Funding speed | As fast as 5 days | 7–14 days |
| Model | Direct lender since 1998 | Broker or fund |
“Top national lenders” reflects terms commonly advertised across the hard money market as of July 2026, subject to change. Typical ranges for general comparison, not the terms of any single lender.
Kissimmee market data
Kissimmee fix & flip market at a glance (2026)
Representative 2026 market indicators for underwriting context — confirmed per deal by an as-is and ARV appraisal.
| Median sale price (2026) | ~$370K |
| Typical flip margin | $45K-$90K plus STR income upside |
| Avg days on market | ~33 days for renovated resale |
| Investor activity | Very high — premier Florida STR market |
| Insurance (holding) | Moderate — inland Central Florida |
Approximate 2026 figures for illustration; not guarantees. Verify current data for your specific property.
Kissimmee neighborhoods
Where Kissimmee flips & BRRRRs pencil
Kissimmee areas ranked by short-term-rental demand and flip margin, confirmed per deal by appraisal.
| Area | Typical price band (2026)* | Investor angle |
|---|---|---|
| US-192 / Disney corridor | $350K-$650K | STR-ready pool homes |
| Celebration-adjacent | $450K-$800K | High-ARV vacation demand |
| Poinciana | $280K-$420K | Affordable BRRRR and flips |
| Downtown Kissimmee | $300K-$460K | Value-add near Lake Toho |
| Champions Gate-adjacent | $400K-$900K | Resort STR value-add |
*Approximate 2026 ranges for illustration — verify current comps for the specific address (an ARV appraisal sets the value we lend against).
Free tool
Kissimmee fix & flip / hard money calculator
Enter your numbers and see your loan, cash to close, financing cost, and net profit instantly. We lend up to 95% of cost, 90% of purchase + 100% of rehab, and 75% of ARV — the calculator applies the lowest limit automatically. Illustrative only; final loan uses an as-is and ARV appraisal.
Your deal
Illustrative only; not a commitment to lend. Net profit assumes ~7% selling costs and excludes taxes, utilities, and some closing and holding costs. We confirm value with an appraisal.
Apply in minutes
Apply for your Kissimmee hard money loan
Same-day term sheet, no tax returns, and funding in as few as 5 days. Start your application below — or call (800) 826-5077.
Worked example
A real Kissimmee hard money deal
A US-192 / Disney corridor project bought at $320,000 with a $58,000 rehab (ARV $455,000): applying the 75% ARV cap, we lend about $341,200; with 2 points (about $6,800) and about 9 months of interest at 9.49% (about $24,300), estimated cash to close is about $43,600. After about 7% selling costs, estimated net profit is about $14,000 — funded in as few as 5 days. Illustrative only; confirmed by an ARV appraisal.
Programs
Kissimmee hard money loan programs
| Fix & flip | Purchase + rehab; up to 95% LTC / 90% purchase / 100% rehab; draws |
| Short-term rental (STR) loans | Acquire or reposition Airbnb / vacation rentals; bridge to a DSCR STR exit |
| Commercial | Office, retail, industrial & special-purpose; value-add & stabilize |
| Mixed-use | Ground-floor retail + residential; reposition & lease-up |
| Ground-up construction | For builders & developers; land + vertical draws |
| Bridge | Fast close, reposition, or buy before you sell |
| 2–150 unit multifamily & commercial | Value-add, reposition & stabilize |
| Rental / DSCR exit | 30–40 yr amortized options; refinance to a long-term loan |
| Cash-out & auction | Pull equity fast; proof of funds for competitive buys |
Requirements
Kissimmee hard money requirements
A Kissimmee hard money file moves fast because we underwrite the asset, not your paystubs. These are the basics we need to size and close your Kissimmee loan.
| Down / skin in the deal | As little as 5–10% of cost at up to 95% LTC |
| Credit | 620+ FICO typical; deal-first, exceptions considered |
| Experience | First-timers welcome; investors get higher leverage |
| Valuation | As-is + ARV appraisal; scope of work for rehab |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Exit | Sale (flip) or refinance to a 30–40 yr amortized / DSCR loan |
Answers
Kissimmee hard money loan FAQ
Why is Kissimmee the top Florida STR market?
Its location minutes from Walt Disney World and STR-friendly communities make Kissimmee Florida’s premier vacation-rental market with strong nightly-rate demand.
Do you underwrite short-term rental income in Kissimmee?
Yes — we factor projected STR revenue and community rental rules alongside the ARV so vacation-home deals pencil.
How much can I borrow on a Kissimmee vacation flip?
Up to 95% of cost, 90% of purchase, and 100% of rehab, capped near 75% of ARV.
Can I refinance into a rental loan after rehab?
Yes — exit into a 30-40 year or DSCR loan underwritten on the Kissimmee short-term or long-term rent.
Do you offer a BRRRR loan program in Kissimmee?
Yes. We fund the hard money bridge to buy and rehab, then refinance you into a 30–40 year DSCR rental loan on the stabilized rent — no tax returns, qualified on the property's cash flow.
Can you bridge a Kissimmee multifamily, mixed-use or commercial deal?
Yes — from 2–4 units to 30–150 unit value-add, mixed-use and commercial. Up to 95% of cost on the reposition, interest-only with rehab draws, then refinance to permanent.
Do you fund short-term / vacation rental rehabs in Kissimmee?
Yes. Our bridge and STR-rehab programs fund the acquisition and reposition on the asset for the Kissimmee visitor market, then exit by sale or a DSCR refinance on short-term-rental income.
Keep exploring
Related Kissimmee & Florida investor loans
Beyond fix & flip
Kissimmee investor loan programs: bridge, BRRRR, multifamily & more
A Kissimmee hard money loan is only the entry point. As a direct lender we structure the whole deal — the fast bridge in, the rehab draws, and the long-term exit — across every program below, from Downtown Kissimmee to Poinciana. Each is asset-based, funded on the deal, not your income.
Fix & flip bridge loans in Kissimmee
Our core Kissimmee flip program funds up to 95% of cost — 90% of purchase plus 100% of rehab on draws, capped at 75% of ARV — so you can buy, renovate and resell in Downtown Kissimmee or Poinciana with minimal cash in the deal. Interest-only, close in as few as 5 days, no tax returns. See the full fix & flip loan program →
The Kissimmee BRRRR loan program (buy, rehab, rent, refinance, repeat)
BRRRR investors use our hard money bridge to acquire and rehab, then refinance into a 30–40 year DSCR rental loan on the stabilized rent — no W-2s, qualified on the property's cash flow. It is the fastest way to recycle capital across Kissimmee neighborhoods like Downtown Kissimmee, Poinciana and the Lake Toho area. We underwrite both sides in-house. Explore the Kissimmee DSCR refinance exit →
Multifamily, mixed-use & commercial bridge loans
From 2–4 units to 30–150 unit value-add, mixed-use and commercial assets in Kissimmee, we bridge on the asset — reposition, lease-up and stabilize, then refinance to permanent. Up to 95% LTC on the reposition, interest-only, with rehab draws. See multifamily & mixed-use loan options →
Ground-up construction in Kissimmee
For builders and developers we fund land plus vertical construction on a draw schedule. See construction loan options →
Bridge & vacation-rental (STR) rehab loans
Close before you sell, buy at auction, or reposition a short-term rental for the Kissimmee visitor market. Our bridge and STR-rehab programs fund fast on the asset and exit by sale or a DSCR refinance that qualifies on short-term-rental income. Bridge loans → · Vacation rental rehab loans →
| Program | Best for | Structure |
|---|---|---|
| Fix & flip bridge | Buy–rehab–resell | Up to 95% LTC · 90% purchase · 100% rehab · 75% ARV |
| BRRRR (bridge + DSCR) | Buy–rehab–rent–refi | Hard money in, 30–40 yr DSCR out on the rent |
| Multifamily / mixed-use / commercial | 2–150 unit value-add | Up to 95% LTC reposition, then refinance to permanent |
| Ground-up construction | Builders & developers | Land + vertical on draws |
| Bridge / STR rehab | Fast close, auction, short-term rental | Asset-based, exit by sale or DSCR |
Get funded in Kissimmee
Apply for your Kissimmee hard money loan
Start your application on the right — no tax returns, same-day term sheet, and funding in as few as 5 days. Prefer to talk it through? Call (800) 826-5077.
Get Your Free Quote! No Credit Pull Required.
© 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. Hard money loans are business-purpose loans for non-owner-occupied investment properties only and are not available for primary residences. Rates, points, LTC, ARV, amortization, and terms are illustrative, subject to change without notice, and subject to borrower, property, and deal qualification and underwriting approval. “Up to 95% LTC” reflects maximum leverage for the strongest profiles and is not a quote or commitment to lend. Values are estimates confirmed by an as-is and after-repair-value appraisal on your specific property. Calculator results are illustrative and exclude some holding, closing, and selling costs. This page is informational and does not constitute financial, legal, tax, or investment advice.