Osceola County is a strategic location for buying properties in Central Florida. The county has witnessed a significant population boom in the past decade, causing developers to increase their investments in the area. It’s a competitive market right now, and you need reliable local lenders to bring you the funds to close deals quickly.

Trust Hard Money Loan Solutions (HMLS) to provide quick financing for your next property or commercial project. We serve in all Osceola County locations, including:

  • Kissimmee
  • St. Cloud
  • Buena Ventura Lakes

We have 20+ years of experience and can back purchases, refinances, rehabs, and everything in between—contact us to get started!

Bridge, Hard Money, and Construction Loans in Osceola County, Florida

At Hard Money Loan Solutions, we offer accessible and cost-effective financing solutions for all types of properties in Osceola County. Unlike other private lenders, we don’t fuss about inflexible and hard-to-meet qualifying criteria for your credit score, income stream, or bank balance. Our products are short-term and based on the value of the asset you intend to buy.

We have loan programs to match different business and individual goals, such as:

Getting a loan approved is pretty straightforward—you talk to our lenders directly and have a tailor-made solution designed for your end goal. Our experts will underwrite the loan in-house based on practical factors like profitability potential and proposed repayment plan. Expect HMLS loans to have the following structure:

  1. Loan size—$100,000–$50,000,000+
  2. LTV—Up to 70%
  3. Tenure—1–3 years
  4. Interest rates—9.99%–12%
  5. Rate type—Fixed
  6. Origination—2%
  7. Retainer fee—$1,500
  8. Closing time—3–14 days
  9. Amortization—No amortization, interest-only payments
  10. Prepayment penalty—No (for settlements after six months)

You can acquire an HMLS loan for residential, commercial, and industrial properties or even special structures with minimal paperwork. We don’t need bank statements, tax returns, asset statements, or other tedious documentation. For construction projects, your chances of approval are higher if you have well-projected plans or feasibility reports.

Why HMLS Is One of the Best Hard Money Lenders in Osceola County

HMLS is a dependable, customer-focused lender offering an outstanding 5-star-rated service in Florida. Our clients prefer doing business with us because we always have the best deals—without hidden costs or empty promises. We value transparent communications and strive to be lenient if a client wants to modify their loan or repayment strategy.

Call HMLS at (855)-244-2220 to get a free consultation for your property situation!

Real Estate in Osceola County, FL—Top Market Drivers

Osceola County is the big, bold heart of Florida and attracts both tourists and long-term residents. Packed with sprawling urban locales like Kissimmee and Campbell City, the county is the go-to for visitors who want to indulge in Florida’s natural charm at a more relaxed pace.

Osceola County has always been a lucrative investment spot for hotels, holiday resorts, vacation homes, and rentals. The region is not only close to Disney World but is also home to many other amusement parks and sporting destinations. The county is at the top of the list for tourists who want a break from the commotion of life in jam-packed cities.

The real estate market in Osceola County is also driven by the spike in the number of permanent residents. From 2010 to 2021, the population of the region grew by 49.5%, represented by the following graph:

Source: USA Facts

The influx can be attributed to a number of reasons, including:

  • Cozy suburban communities
  • Low crime rate
  • Proximity to adventure hotspots
  • Mild temperatures all year round
  • Availability of formal and technical education
  • Thriving economy with multi-industry job prospects

To sum it up, Osceola County is a fairly reliable area to invest in—whether you’re planning a property flip or a buy-and-hold, you’ll likely see good returns.

Already picked out a property? Reach out to HMLS at (855)-244-2220 to get your deal moving!

Osceola County Housing Market Statistics Worth Noting

Check out the latest trends observed in the Osceola County housing market:



Median sale price of homes is $410,000+

The median selling price for a home was $410,245 in May 2023, indicating an annual increase of 1.3%. The overall market has been on a steady upward trend, but the prices of condos and co-ops tend to be unstable

Median period on the market is 44 days

You can expect a listed property to sell within 44 days in the county. Not only is the demand high, but most properties go for higher than listed quotes 

Large renters’ market

Over 64% of the properties in Osceola County are owner-occupied, leaving a huge opening for the rental market to grow

*Sourced from the latest figures available on Redfin and Data USA

Talk to the experienced lenders at HMLS if you want insights on the long-term and short-term profitability prospects of a potential investment. We are available at (855)-244-2220.

Top Real Estate Investor Groups for Osceola County, Florida

There aren’t many Osceola County-specific real estate investor groups around. You can find support in the following associations:

  1. Central Florida Realty Investors (CFRI)—It’s a not-for-profit association organizing multiple real estate events throughout the year. Trial membership starts at $75
  2. Orlando REI Connect Real Estate and Investment Strategies—This group focuses on knowledge-sharing for properties and deals in Orlando and nearby areas. Contact the group for membership info
  3. The Osceola Chamber—Utilize the local chamber to meet like-minded business folk and investors. You have to fill out an online form to request information about memberships
  4. Central Florida Real Estate Investors League—This online group is for sharing investment insights in the Central Florida area. You can list properties on the platform as long as they’re not non-investment rentals

Getting Property and Home Loans Beyond Osceola County, FL

Contact HMLS if you want to expand your portfolio beyond Osceola County. Here are our investment guides for top locations:

Note: All submitted information is kept in strict confidence and used solely for the purpose of obtaining a hard money loan and/or bridge loan. We do not share your information with any third parties without your consent.


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