Unlock Investor & Non-Traditional Home Financing in Orlando & Central Florida

Investing in property across Orlando and Central Florida doesn’t always align with conventional lending guidelines. That’s where investor and non-traditional home financing options come in. These specialized loan programs are designed to provide flexibility for buyers pursuing new construction, rental properties, fix-and-flip projects, or unique investment opportunities.

 

Investor and non-traditional loans offer practical solutions for real estate investors, self-employed borrowers, and international buyers who may not qualify for traditional mortgages. With more adaptable qualification requirements and creative financing structures, these programs make it easier to access high-potential properties that standard lending often overlooks—helping you grow your real estate portfolio with confidence in the Central Florida market.

Explore Our Investor & Non-Traditional Programs

One-Time Construction Loans

Finance the purchase of your lot and construction in a single mortgage. Interest-only payments during construction convert to a fully amortized loan upon completion. Must follow FHA or conventional guidelines and use a licensed contractor.

Learn More

Foreign National Loans

Non-U.S. citizens can purchase investment properties without a Social Security number or U.S. credit history. Buyers qualify using the property’s DSCR (rent vs. mortgage), with a minimum 30% down payment. Funds can be sourced internationally prior to closing.

Learn More

DSCR Loans

Ideal for investors purchasing rental properties. Approval is based on the property’s projected rental income relative to the mortgage payment, rather than personal income or employment. Eligible for single-family homes, condos, and other investment properties.

Learn More

Fix-and-Flip Loans

Short-term financing for investors purchasing properties to renovate and resell. Interest-only payments, no prepayment penalties, and flexible funding for rehab costs help investors efficiently complete projects and move on to the next opportunity.

Learn More

Take the Next Step

Investor and non-traditional loans provide access to opportunities that conventional mortgages often exclude. The Aponte Group at Real Broker team assists buyers and investors in exploring Orlando and Central Florida neighborhoods, identifying properties eligible for DSCR, construction, foreign national, and fix-and-flip programs. Our lending partners manage the approvals, while we focus on helping you find the right property to match your investment strategy.