Real Estate Investing in Central Florida & Greater Orlando
Trusted guidance for first-time investors, ITIN buyers, and foreign nationals. Build wealth with strong rental demand, tax advantages, and flexible financing options.
Stacy Ann Stephens • Licensed Realtor & Mortgage Professional
Why Invest in Central Florida & Greater Orlando?
Steady Growth
Strong population influx, tourism, healthcare, and tech job growth drive consistent appreciation and rental demand.
Favorable Yields
Attractive cash-flow potential from both long-term and short-term rentals with no state income tax.
Investor-Friendly
Diverse neighborhoods like Lake Nona, Winter Garden, Kissimmee, and Horizon West offer options for every strategy.
Powerful Financing & Tax Strategies
We help you structure investments the smart way — whether you’re new to investing or an experienced international buyer.
DSCR Loans & ITIN Programs
Qualify based on the property’s rental income — no SSN or traditional credit required. Ideal for foreign nationals and ITIN holders.
Learn more at Jhenesis Mortgage →1031 Exchange
Defer capital gains taxes by exchanging one investment property for another in the Orlando area.
STR Loophole & IRA Funds
Leverage the Short-Term Rental Loophole (IRC §469) and Self-Directed IRA funds for powerful tax advantages.
Read about STR Loophole →Opportunity Zones
Defer, reduce, or eliminate capital gains taxes by investing in designated zones across Central Florida.
DSCR Calculator
Instantly see if your deal meets typical lender requirements (target 1.25+).
Your Results
Frequently Asked Questions
Can ITIN holders and foreign nationals invest in Central Florida real estate?
Yes. Specialized DSCR loan programs allow qualification based on the property’s income rather than personal credit or SSN.
How does the STR Loophole (IRC §469) work with IRA funds?
Short-term rentals with average stays of 7 days or fewer can be treated as non-passive. This allows losses to offset ordinary income, including distributions from IRAs when properly structured.
What is a 1031 Exchange and is it available in Orlando?
A 1031 Exchange lets you defer capital gains taxes by selling one investment property and purchasing another of equal or greater value — fully available in Central Florida.
Are Opportunity Zones still beneficial in 2026?
Yes. They continue to offer capital gains deferral, basis step-up, and the potential for tax-free growth after 10 years in designated Central Florida zones.
Ready to Start Investing in Central Florida?
Let’s build a personalized strategy that fits your goals — first-time purchase, portfolio expansion, or tax-optimized investing.
147 W Lyman Ave, Winter Park, FL 32789
(407) 603-1664 • stacyann@realtorstephens.com