Seeking Investor-Friendly Realtor and Lender in Orlando for Potential 1031 Exchange

Member since 2022 · 11 posts · 8 votes

Hi everyone,

I’m looking to connect with a local real estate agent who has experience working with investors, as well as a knowledgeable mortgage lender in the Orlando area.

I’m considering completing a 1031 exchange by selling one of my Michigan rental properties and purchasing an investment property in the Orlando area. At this stage, I’m looking to better understand the local market, including current rental rates, investment property demand, how to estimate property taxes for a non-homestead investment property, insurance costs, and what financing options may look like.

I would appreciate any advice, referrals, or recommendations. Feel free to comment below or send me a direct message.

Thank you!

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John Walbridge

Property Manager · Maitland, FL · Member since 2026 · 49 posts · 37 votes

2mo

Quote from @Amber Stout:

@Denzel Faulken Hi Denzel, I live, invest, and lend in Florida and work with investors throughout Florida as a mortgage broker and help clients with purchases / 1031 exchanges. I'd be happy to answer any financing questions or help you evaluate loan options as you narrow down your search in Orlando. I'll send you a quick DM.

Welcome to the Orlando Arena, Denzel. I'm glad Amber Stout saw the post. If you need assistance she is a phenomenal resource! Also if you have any questions about self managing or looking for someone to help with managing, I'm a free resource. Best of Luck Denzel!

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Daryl Correia
Investor · Sebastian, FL · Member since 2019 · 70 posts · 14 votes
3mo
Quote from @Denzel Faulken:

Hi everyone,

I’m looking to connect with a local real estate agent who has experience working with investors, as well as a knowledgeable mortgage lender in the Orlando area.

I’m considering completing a 1031 exchange by selling one of my Michigan rental properties and purchasing an investment property in the Orlando area. At this stage, I’m looking to better understand the local market, including current rental rates, investment property demand, how to estimate property taxes for a non-homestead investment property, insurance costs, and what financing options may look like.

I would appreciate any advice, referrals, or recommendations. Feel free to comment below or send me a direct message.

Thank you!

Sent you a message. Thanks
0 Reply
Daryl Correia
Investor · Sebastian, FL · Member since 2019 · 70 posts · 14 votes
3mo
Sent you message
0 Reply
LaTarence Dunbar
Lender · Washington DC · Member since 2026 · 81 posts · 23 votes
3mo
Quote from @Denzel Faulken:

Hi everyone,

I’m looking to connect with a local real estate agent who has experience working with investors, as well as a knowledgeable mortgage lender in the Orlando area.

I’m considering completing a 1031 exchange by selling one of my Michigan rental properties and purchasing an investment property in the Orlando area. At this stage, I’m looking to better understand the local market, including current rental rates, investment property demand, how to estimate property taxes for a non-homestead investment property, insurance costs, and what financing options may look like.

I would appreciate any advice, referrals, or recommendations. Feel free to comment below or send me a direct message.

Thank you!

Welcome to the Orlando market! Exchanging out of Michigan into Florida is a great move for long-term cash flow and appreciation. Since you are executing a 1031 exchange, timing is everything to hit your 45-day identification and 180-day closing windows. Here is how to navigate the financing and expenses in Florida:
DSCR Rental Financing:
For out-of-state investors buying in Orlando, DSCR loans are usually the cleanest fit. The loan qualifies based on the target property's rental income rather than personal tax returns or DTI. This allows for fast pre-approvals and smooth closings that keep your 1031 exchange fully compliant.
Florida Taxes and Insurance:
When calculating your numbers, remember that non-homestead investment properties in Florida do not get the 3 percent Save Our Homes cap. Plan for non-homestead property taxes (capped at 10 percent assessment increases annually) and be sure to get quick insurance quotes early for roof age and wind coverage.
Matching Debt/Equity Rules:
To defer 100 percent of your gains, your replacement property must be equal or greater in value and replace the debt from your Michigan sale.
How far along are you in selling the Michigan property, and what purchase price range are you aiming for in Orlando?
0 Reply
Amber Stout
Lender · Tampa/Saint Petersburg, FL · Member since 2014 · 356 posts · 148 votes
3mo
@Denzel Faulken Hi Denzel, I live, invest, and lend in Florida and work with investors throughout Florida as a mortgage broker and help clients with purchases / 1031 exchanges. I'd be happy to answer any financing questions or help you evaluate loan options as you narrow down your search in Orlando. I'll send you a quick DM.
1 Reply
- John Walbridge
  Property Manager · Maitland, FL · Member since 2026 · 49 posts · 37 votes
  2mo
  Quote from @Amber Stout:
  
  @Denzel Faulken Hi Denzel, I live, invest, and lend in Florida and work with investors throughout Florida as a mortgage broker and help clients with purchases / 1031 exchanges. I'd be happy to answer any financing questions or help you evaluate loan options as you narrow down your search in Orlando. I'll send you a quick DM.
  
  Welcome to the Orlando Arena, Denzel. I'm glad Amber Stout saw the post. If you need assistance she is a phenomenal resource! Also if you have any questions about self managing or looking for someone to help with managing, I'm a free resource. Best of Luck Denzel!
  1 Reply
Alex Olson
Real Estate Broker · Kansas City Metro · Member since 2015 · 2k+ posts · 1k+ votes
3mo
I don't have any capability in Orlando but can help if looking at KC.
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Keondre Cohen
OH · Member since 2026 · 60 posts · 18 votes
3mo
Good detail above on the DSCR and non-homestead tax side. One thing worth adding given your 45-day identification window: don't limit your search to what your agent's MLS feed surfaces. Orange County publishes tax delinquent and absentee-owner records directly, and pulling from that yourself alongside the MLS search widens your pool of realistic backup properties in case your first choice falls through before day 45. Worth having a shortlist ready rather than scrambling.
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Vijay FriedmanBusiness Member
Miami, FL · Member since 2026 · 766 posts · 124 votes
2mo
Quote from @Denzel Faulken:

Hi everyone,

I’m looking to connect with a local real estate agent who has experience working with investors, as well as a knowledgeable mortgage lender in the Orlando area.

I’m considering completing a 1031 exchange by selling one of my Michigan rental properties and purchasing an investment property in the Orlando area. At this stage, I’m looking to better understand the local market, including current rental rates, investment property demand, how to estimate property taxes for a non-homestead investment property, insurance costs, and what financing options may look like.

I would appreciate any advice, referrals, or recommendations. Feel free to comment below or send me a direct message.

Thank you!

@Denzel Faulken
Denzel, it sounds like you're getting the right pieces in place before starting the exchange. Since you're considering a 1031, I'd make sure any lender you work with understands investment-property transactions and can meet the exchange timeline. It's also worth underwriting taxes, insurance, and expected cash flow early so you can compare properties consistently. Best of luck with the Orlando search!
786-656-0387
DreamPoint Capital
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Alberto Rivera
Contractor · Orlando, FL · Member since 2016 · 72 posts · 16 votes
2mo
Welcome to Central Florida, @Denzel Faulken. It looks like you've already gotten some solid recommendations on the Realtor and lending side.

Once you identify a property, I'd also recommend getting a contractor involved early in your due diligence. A realistic renovation budget and scope can make a big difference when evaluating returns, especially if you're considering value-add opportunities.

Best of luck with the 1031 exchange, I hope you find a great investment here.
0 Reply
Corinna Negron
Member since 2026 · 129 posts · 21 votes
2mo
Quote from @Denzel Faulken:

Hi everyone,

I’m looking to connect with a local real estate agent who has experience working with investors, as well as a knowledgeable mortgage lender in the Orlando area.

I’m considering completing a 1031 exchange by selling one of my Michigan rental properties and purchasing an investment property in the Orlando area. At this stage, I’m looking to better understand the local market, including current rental rates, investment property demand, how to estimate property taxes for a non-homestead investment property, insurance costs, and what financing options may look like.

I would appreciate any advice, referrals, or recommendations. Feel free to comment below or send me a direct message.

Thank you!

It would be smart to confirm your financing options before selling the Michigan property, especially because the timing of the 1031 exchange can move quickly once the sale closes.

We provide DSCR and bridge financing for Florida investment properties and may be able to help you determine what purchase range and loan structure would be realistic based on your expected exchange proceeds and projected rental income.

Send me a private message with your estimated net sale proceeds, target Orlando purchase price, property type, and approximate financing amount. I’d be glad to review the numbers with you before you begin making offers.

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Jacob CamhiBusiness Member
Hinton, WV · Member since 2026 · 135 posts · 41 votes
2mo
it's smart to have a team, but you can gather a lot of market insight yourself first, which helps you pick the *right* agent and lender.
for property taxes, check the orange county property appraiser's website. they often have a tax estimator that uses the sale price, so you can get a good idea of what an investment property would owe.
for current rental rates and demand, dive into sites like zillow, hotpads, or craigslist for active rentals in your target zip codes. see what similar properties are actually listed for and how long they sit.
on financing, a lot of investors use dsCR loans, which qualify the property's rental income rather than your personal w2s or tax returns. this is common for investment properties and 1031s.
have you looked into specific neighborhoods or zip codes in orlando yet that align with your price point?
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Adrian Lammersdorf-SciollBusiness Member
Realtor · FL · Member since 2020 · 234 posts · 101 votes
2mo
Hey Denzel, I can connect you with a local 1031 exchange company that can help with the transition, and also show you which areas are best for investing in depending what your goals are. If you need some advice on how much cash flow you can realistically expect I'd be more than glad to show you as well. I'll send you a DM now.
[email protected]561-305-2404
Thomas Lynne Realty528 Reviews
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Fulton Abraham Sanchez
CPA| New Clients Welcome| 50 States · Member since 2016 · 440 posts · 96 votes
2mo
If a 1031 is a real possibility, I’d make the tax side part of the planning before the current property is sold. The replacement-property economics still need to work on their own, but timing, debt/equity replacement and how the transaction is structured can affect whether the exchange accomplishes what you expect. I’d evaluate the tax consequences alongside cash flow and financing rather than letting the tax benefit drive the purchase by itself.
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