Commercial real estate lending in Kissimmee (Osceola County), FL
Osceola County is home to 406,943 residents with a median household income of $68,711 and 20.2% population growth over five years. Commercial deals here are underwritten to Florida's typical standards — around 1.25x DSCR and 75% maximum LTV on stabilized assets — with pricing shaped by the county fundamentals below.
Market character
Kissimmee absorbs the overflow from neighboring Orange County's theme-park economy: short-term-rental-zoned resort communities, hotel product, and a wave of build-to-rent single-family homes that has become the county's defining asset class. Industrial along US-192 and the Poinciana growth corridor is newer and smaller-scale than Orange's, and lenders track STR zoning changes closely.
Kissimmee by the numbers
| Population | 406,943 |
| 5-year population change | +20.2% |
| Median household income | $68,711 |
| Median age | 37 |
| Median home value | $317,600 |
| Median gross rent | $1,651/mo |
| Housing units | 164,195 |
| Renter-occupied share | 33.8% |
Source: U.S. Census Bureau, ACS 5-year estimates (2023).
Underwriting a Kissimmee deal
A Kissimmee property clears the same four constraints as any Florida deal — 1.25x minimum DSCR and 75% maximum LTV on stabilized assets, an 8% debt-yield floor, and loan-to-cost caps on construction — with benchmark cap rates for FL spanning roughly 5.5% (multifamily) to 7.5% (hotel). The full state-by-asset-class table lives on the benchmarks page; run Kissimmee numbers through the loan sizer to see which constraint binds.
Florida closing costs to budget
Financing in Osceola County carries Florida's documentary stamp tax and intangible tax — about 0.55% of the loan, due in full on every refinance. Insurance is the other Florida-specific line: wind and flood premiums increasingly decide whether a coastal deal's DSCR clears. Estimate a Kissimmee deal with the closing cost calculator or read the doc stamps guide.
Financing a property in Kissimmee?
Relendi analyzes your deal against real underwriting criteria — DSCR, LTV, debt yield, and market benchmarks — in minutes.
Analyze my deal freeFrequently asked questions
What DSCR do lenders require in Osceola County?
In Kissimmee — a market of 406,943 residents where median gross rent runs $1,651 a month — lenders apply Florida's usual floors: typically 1.25x DSCR stabilized, 1.20x on acquisitions, 1.10x on bridge or construction. The county changes which lenders compete for the deal more than it changes the ratio.
What are typical commercial cap rates in Kissimmee?
Statewide Florida benchmarks run roughly 5.5% for multifamily up to 7.5% for hotels; where Kissimmee deals price inside those bands depends on submarket, asset quality, and tenancy — in a county whose median home value is $317,600, residential-adjacent product tends to price toward the wider end. Individual comps set real pricing.