Financing for Winter Park
Second Homes & Investment Properties
Buying a place to enjoy, or a property built to earn — the right loan path depends on which one this is.
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Which one is this property?
Classified as a second home. Down payments start as low as 10%, gift funds are allowed, and you can rent it out occasionally without changing the classification.
- Conventional & jumbo programs
- Gift funds allowed
- As low as 10% down
Classified as an investment property. Qualification is based on the property's rental income, not your tax returns — including short-term rental income.
- DSCR — no tax returns required
- Airbnb / VRBO income eligible
- Portfolio loans & 1031 eligibility
How We Help You
Jeff Aronheim has helped buyers and investors finance property in resort markets like Winter Park for years, with particular experience in non-warrantable condos and DSCR loans — the two things that trip up most standard mortgage applications here.
See Which One Sounds Like You
01 |
The weekend family |
02 |
The soon-to-retire couple |
03 |
The hands-off investor |
04 |
The out-of-state buyer |
That doesn't rule you out.
Many Winter Park condo buildings are considered non-warrantable — often because of short-term rental activity, investor concentration, or on-site rental-desk amenities. That's common here, and there are financing programs built specifically for it.
Read: Non-Warrantable Condo Financing →Schedule a Meeting
- Flexible down payment options may be available
- Competitive long-term cost structures
- Typically suited for stronger financial profiles
CCM is the #1 Non-QM retail lender in the U.S.
Offering proprietary programs tailored for self-employed borrowers, high-net-worth individuals with unique financial profiles, real estate investors, foreign nationals, non-traditional borrowers, and non-warrantable condos.
JUMBO Loans →
Jumbo loans are used for financing high-value homes that exceed conventional loan limits. They typically require higher credit scores, larger down payments, and more detailed financial documentation.
A home equity loan provides a lump sum of cash using your home’s equity, repaid with fixed monthly payments. It’s useful for large expenses like home renovations or debt consolidation.
we've delivered thus far
Frequently Asked Questions
Can I rent out my second home occasionally?
Yes. Many second-home owners rent their property occasionally when they’re not using it themselves. The key is that it remains a genuine second home that you personally occupy for part of the year. If rental use becomes the primary purpose, investment-property financing may be the better fit.
Can rental income help me qualify for financing?
Yes — if rental income is an important part of your qualification strategy, an investment or DSCR loan may be the better fit. These programs can use the property’s actual or projected market rent to support qualification, often without relying on traditional personal income documentation. For a property financed specifically as a second home, rental income generally isn’t used to qualify.
What financing options are available for a vacation home?
There are several financing paths depending on how you plan to use the property. If it will primarily be a home you personally enjoy, second-home financing may offer attractive terms and lower down payment requirements. If rental income or investment use is a bigger part of the plan, investment or DSCR financing may provide more flexibility. We can help determine which structure best fits your purchase strategy.
How much do I need for a down payment?
Second-home financing can start with as little as 10% down, and eligible gift funds may be used. If the property is being purchased primarily as an investment or through a DSCR program, down payments are typically higher — often around 20–25% or more depending on the loan profile.
Schedule a Call With Jeff