Orlando is finally a buyer's market.
Move before it shifts.
For the first time in years, Orlando buyers have the upper hand. 77 days on market. 3.78 months of inventory. Sellers are negotiating. Whether you're buying in Lake Nona, Winter Park, or Dr. Phillips — this window won't stay open forever. We help Central Florida buyers move smart.
The market nobody saw coming in 2026.
For years Orlando was a seller's playground. In 2026, the script flipped. Inventory expanded, days-on-market doubled, and buyers finally got room to negotiate. The smart move now is locking in before rates drop and the market re-heats.
Population
Price (2026)
on Market
Driving STR Demand
Buyer's market is finally here
3.78 months of housing supply (vs. balanced 4-6 months). 77 days on market — up from 53 last year. Prices have stabilized around $385K-$405K with Zillow forecasting modest growth through 2026. Translation: motivated sellers, room to negotiate, and time to make smart decisions.
Medical City is rewriting Southeast Orlando
Lake Nona's Medical City — anchored by Nemours Children's Hospital, the VA Medical Center, and UCF College of Medicine — has transformed Southeast Orlando into a healthcare innovation hub. Median home prices around $550K. Long-term appreciation thesis backed by the largest medical employer base in Central Florida.
75M tourists = the world's biggest STR market
Orlando hosts more than 75 million visitors annually — more than any other U.S. destination. That tourism engine fuels one of the country's strongest short-term rental markets. Reunion, Davenport, and Champions Gate dominate the STR investor segment with cap rates 7-10%+ on properly positioned assets.
Orlando real estate by the numbers.
The numbers buyers actually care about. Updated quarterly with the latest Orlando-Kissimmee-Sanford MSA data.
Orlando MSA · Q1 2026
Six neighborhoods worth your money.
Orlando is six different cities pretending to be one. The right neighborhood depends on your stage of life, your commute, and your budget. Here's where we see the strongest value right now.
Lake Nona
Master-planned by Tavistock, anchored by Medical City. Home to Nemours Children's Hospital, the VA Medical Center, UCF College of Medicine. New construction, top schools, walking trails. The Orlando relocation default for healthcare and professional buyers.
Winter Park
Tree-lined brick streets, Park Avenue shopping, Rollins College, the Morse Museum. Orlando's most charming, walkable, and culturally rich neighborhood. Premium for established families and buyers prioritizing character over square footage.
Dr. Phillips
Restaurant Row, Sand Lake Road, Bay Hill, top-rated schools, and quick access to Disney/Universal without the tourist energy. The upscale family neighborhood that balances convenience with quiet residential streets.
Winter Garden & Horizon West
West Orange County's growth corridor. Historic downtown Winter Garden meets new construction in Horizon West. Tree-lined streets, the West Orange Trail, top family schools. Where Disney/Universal employees and Lake Nona spillover land.
Baldwin Park
Master-planned urban village built on the old Naval Training Center. Walkable village center, lakefront paths, top-rated schools, mix of single-family homes and townhomes. Orlando's best "new urbanist" community.
College Park & SoDo
Orlando's best value neighborhoods within minutes of downtown. Historic bungalows, walkable Edgewater Drive, growing restaurant scene. First-time buyer favorite. Investor favorite for long-term appreciation as downtown Orlando expands.
Orlando is the STR capital of the world.
75+ million annual tourists. Year-round demand. Theme parks, beaches, and convention business filling vacation rentals 12 months a year. We finance STR investors with DSCR loans that qualify on projected rental income — no W2, no tax returns, no income docs needed.
See DSCR Investor Loans →Sample Reunion STR
8-bed pool home · STR projection
Buyer's market won't last.
Get pre-approved in 2 hours and be ready to write an offer when you find the right Orlando home. Free, no obligation, no credit pull to start.
The right loan for your Orlando story.
Orlando buyers are diverse — Disney/Universal employees, Medical City professionals, STR investors, families relocating, condo buyers. One loan type doesn't fit. Here are the six we use most.
Conventional Loans
The workhorse for Orlando's professional and move-up buyer segment. Most Lake Nona, Winter Park, and Baldwin Park buyers use conventional with 10-20% down. 2026 limit: $832,750.
DSCR Loans (STR Investors)
Orlando's tourism-driven economy makes it the strongest STR market in the U.S. DSCR loans qualify off projected rental income — perfect for Reunion, Davenport, and Champions Gate vacation rental investors.
FHA Loans
For first-time Orlando buyers and credit-recovery scenarios. The Orange County FHA loan limit is $541,287 — enough to buy in College Park, SoDo, Avalon Park, and most suburban Orlando markets.
Bank Statement Loans
For Orlando's massive 1099 economy — service industry owners, tourism contractors, theme park concessions, Medical City consultants. We qualify off 12-24 months of bank statements instead of tax returns.
Jumbo Loans
For Windermere, Isleworth, Bay Hill, and Lake Nona luxury buyers. Conforming loans cap at $832,750 in Orange County — jumbo financing handles the premium Central Florida home market.
VA Loans
Orlando has one of Florida's largest veteran populations — Navy College Air Station, area bases, and a strong retiree veteran community. VA loans offer zero down, no PMI, and competitive rates.
29 years in Florida lending. Orlando is in our wheelhouse.
Chris Galli has originated over $1 billion in mortgages across Florida — Orlando is one of our most active markets. From Lake Nona luxury homes to first-time buyers in College Park to STR investors writing offers in Reunion, we know Central Florida cold.
What that means for you: Orlando has unique financing quirks — non-warrantable condos near Disney, STR-zoning complexity, HOA restrictions on rentals, Medical City employer income verification, theme park employee underwriting nuances. We've solved every one of these scenarios hundreds of times.
From application to keys in 21 days.
Most Orlando lenders take 35-45 days. We average 21-24 days. That speed wins offers in a market where motivated sellers want certainty of close.
Pre-Approval
2-hour pre-approval letter. No SSN required to start. Verified income, credit, assets.
Find Your Home
Your realtor writes offers with our verified pre-approval. Sellers trust the letter.
Underwriting
Florida appraisal, title work, insurance quotes (we handle insurance shopping). 14-day target.
Clear to Close
Sign at the closing table. Keys in hand. Average 21-24 days from contract to keys.
Real Orlando buyers. Real outcomes.
From Medical City relocations to first-time College Park buyers to STR investors in Reunion — here's what Central Florida clients say.
We relocated from Boston for a Medical City research position. Chris's team handled our mortgage from 1,200 miles away — closed on our Lake Nona home in 24 days. Easiest part of the entire move.
I bought my first STR in Reunion using a DSCR loan — no W2, no tax returns. Chris walked me through the cash-flow analysis and got me funded in 23 days. The property paid for itself in month one.
First-time buyer in College Park. The down payment assistance Chris's team found put me into my historic bungalow a year earlier than I expected. They made the whole thing feel personal, not transactional.
What Orlando buyers actually ask us.
The real questions from real Orlando buyers. Tap to expand. If something isn't here, text Chris at 941.529.1040.
Buy your Orlando home before the market shifts back.
2-hour pre-approval. 25+ lender network. 29 years of Florida expertise. The window for buyer leverage won't stay open forever — we make Orlando happen, fast.