Investor · Florida
Short-Term Rental (Airbnb / VRBO) in Florida
Buying a Florida Airbnb or VRBO? Qualify on projected nightly income — not just long-term lease comps.
Common challenges we solve
- Conventional underwriters won't count Airbnb income
- Need a fast close to beat other investors
- STR regulations vary by city
What you get with Lumos
AirDNA and market-rent underwriting accepted
Competitive leverage options on short-term rentals
Close in an LLC for asset protection
What's different in Florida
Florida state law limits how far cities and counties can go in banning vacation rentals, but local registration, zoning and condo-association rules still vary widely, and some coastal cities are restrictive. Florida also charges state and county tourist-development taxes on short-term stays. Always verify the local rules for the exact address before you buy.
Loan programs that typically fit
Frequently asked
- How is income calculated?
- AirDNA, Mashvisor, or 12-month operating history — whichever underwrites best.
- Are condos eligible?
- Yes if the HOA allows STRs. We'll verify upfront.
