Owner Financing Homes in Orlando, FL
Yes, you can buy owner financing homes in Orlando, FL with no bank loan and no minimum credit score. You pick the home, and the deed is recorded in your name at closing.
- Orange, Osceola and Seminole County homes
- Hospitality and self-employed income welcome
- Deed in your name at closing
See if you qualify
Takes about a minute. Freddy replies within 24 hours.
- Deed in your name at closing
- No balloon payment
- No minimum credit score
- ITIN holders welcome
Who this works for in Orlando
Orlando's economy runs on tourism, construction and small business, and a lot of that income never fits a lender's checklist.
Theme park and hospitality workers
Tips, shifts and seasonal hours make a W-2 look smaller than the money you actually bring home. We look at what lands in your account.
Rideshare, delivery and small business owners
Central Florida has a huge self-employed workforce. If your business pays your bills, it can qualify you here.
Families from Puerto Rico and Latin America
Orlando has one of the largest Puerto Rican and Latin American communities in the country. ITIN holders and buyers with credit history abroad are welcome.
Renters in Kissimmee and east Orlando
Rents around the parks keep climbing. If you can pay rent, you may be able to pay toward a home of your own instead.
A buyer Freddy helped
One of Freddy's Orlando buyers, William A., owns a business whose taxes needed cleanup before any bank would lend. He bought a $380,000 home with $65,000 down, closed in under 40 days, and refinanced into a conventional mortgage 40 months later.
What a Orlando home costs right now
Source: Redfin housing market data, three months ending September 2026.
Orlando's median is near $405,000. At 20 percent down that's about $81,000, so many Orlando buyers look at townhomes or homes in Pine Hills, Kissimmee or Apopka, where prices sit lower. The program covers homes from $250,000 up with no upper limit, so there's a lot of room to choose.
Homes are selling for a little under list and taking about two months, which leaves room to negotiate before your down payment is figured.
Where in Orlando we help buyers
We cover the whole Orlando area: Pine Hills, MetroWest, Conway and Lake Nona inside the city, plus Kissimmee and St. Cloud in Osceola County, Sanford and Oviedo in Seminole County, and Apopka, Ocoee, Winter Garden and Clermont to the west. Deeds for Orange County homes are recorded by the Orange County Comptroller.
For closing costs and tax breaks that apply across the state, see owner financing in Florida.
Three steps to your Orlando home.
What buying in Orlando looks like from first call to keys.
Get your letter
Tell Freddy what you earn and what you've saved. Your letter is good for up to 12 months, so you can shop the Orlando market without rushing.
Pick homes across Central Florida
Orange, Osceola or Seminole County. Choose three, and we negotiate the price and terms for each.
Close with a Central Florida title company
The title company records your deed with the county, and you start building equity in Orlando instead of paying rent.
Tips for buying in Orlando
Ask about CDD fees. Many newer communities around Orlando, especially in Osceola County and Lake Nona, charge Community Development District assessments on the tax bill on top of HOA dues. They can add a few hundred dollars a month, so we include them before you choose.
Watch HOA rules if you plan to rent a room or run a business from home. Central Florida HOAs can be strict. We read the rules with you before closing so there are no surprises after.
Owner financing vs rent to own in Orlando
Rent to own signs are everywhere around Orlando, often on homes owned by out-of-state investors. In those deals you pay an option fee and rent, the investor keeps the deed, and your plan depends on their finances staying clean.
Owner financing records your deed with the county at closing. You can apply for Florida's homestead exemption with the county property appraiser, and the equity you build in an Orlando home is yours.
See every difference side by side on owner financing vs rent to own.
Cash to close on a Orlando home
Starts at Orlando's September 2026 median sale price. Slide to the price of the homes you're looking at.
The program starts at $250,000 and has no upper limit. Down payments are normally 20 percent, with exceptions reviewed one by one. There's no application or origination fee.
- Down payment (20%)
- Closing costs (2% to 3%)
- Amount financed
Estimate only. Closing costs vary by state and are listed on your closing statement before you sign.
Your Orlando contact
- In real estate since 2010
- Finance degree, FIU
- 20+ families into homes since 2024
- Based in Fort Lauderdale, FL
- Speaks Spanish fluently
Freddy works Central Florida deals from his base in South Florida and knows how differently Orlando buyers earn compared to a typical bank applicant.
For Central Florida buyers, Freddy coordinates the title company, the seller and the insurance quote, which matters a lot with Florida wind coverage.
"If you can afford the house, there should be a path to it."
Freddy E.Founder, Sold With Financing
See if you qualify for a Orlando home.
Tell us where around Orlando you want to live and what you can put down. Freddy will reach out within 24 hours.
- Deed recorded with the Orange County Comptroller.
- Homes from $250,000 in Orange County and nearby towns.
- You can apply for the Florida homestead exemption, worth up to $50,000 off your taxable value.
- No minimum credit score.
See if you qualify
Takes about a minute. Freddy replies within 24 hours.
Orlando owner financing questions
Can I buy a home in Orlando with owner financing?
Yes. Pick a home in the Orlando area from $250,000 up, we negotiate the price and terms, and you close with a title company. The deed is recorded in your name at closing.
How much do I need down for an Orlando home?
Normally 20 percent, with exceptions reviewed one by one. On Orlando's September 2026 median of about $405,000, 20 percent is about $81,000. Lower priced homes need less.
Can I qualify with tips and hospitality income?
Yes. We look at the deposits in your bank statements, not just the number on a W-2. Steady tips and shift income count.
Do you cover Kissimmee and Sanford?
Yes. We cover Orange, Osceola and Seminole counties, including Kissimmee, St. Cloud, Sanford, Oviedo, Apopka and Winter Garden.
Can I get homestead on an owner financed Orlando home?
Usually, yes. The deed is in your name, so if it's your permanent residence you can apply with the county property appraiser.
Do you work with ITIN buyers in Orlando?
Yes. An ITIN, steady income and a down payment are enough to start.
Ready to own in Orlando?
Find out in about a minute whether the program fits you.