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HFG International
Osceola County, Florida

Foreign National Mortgages in Kissimmee, Florida

Buy property in Kissimmee as a foreign national. Specialized financing with 20+ years of experience.

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Kissimmee

Kissimmee is the vacation home and investment property capital of Central Florida, located in Osceola County just minutes from Walt Disney World. With a massive Brazilian and Colombian community, affordable home prices, and some of the most favorable short-term rental regulations in the state, Kissimmee has become the top destination for Latin American investors seeking rental income properties near the theme parks.

Why Buy in Kissimmee?

Kissimmee is one of the best places in the US for vacation rental income properties. The city allows short-term rentals in designated resort communities, and proximity to Disney World, Universal Studios, and SeaWorld ensures year-round tourist demand. Brazilian and Colombian buyers have been purchasing here for decades, creating a well-established investment community with bilingual property management companies. Home prices remain accessible compared to South Florida, and the returns from vacation rentals can offset the mortgage, taxes, and maintenance costs.

Price Range

From $250,000

To $500,000

Property Types

Single FamilyTownhouseVacation HomeCondo

Top Nationalities

BrazilianColombianVenezuelanArgentinePuerto Rican

Popular Neighborhoods

  • Reunion Resort
  • Champions Gate
  • Storey Lake
  • Paradise Palms
  • Windsor at Westside

Why Invest in Kissimmee

1

Vacation rental properties can generate $30,000-$60,000+ in annual gross rental income near Disney

2

Short-term rental-friendly zoning in resort communities — legal and regulated Airbnb/VRBO rentals

3

Orlando region attracts 75+ million visitors annually, ensuring consistent rental occupancy

4

Lower property taxes and insurance than South Florida coastal areas

Nearby Attractions

Walt Disney World — The world's most visited theme park complex, just 10-20 minutes away
Universal Studios Orlando — Major theme park and entertainment destination nearby
Old Town Kissimmee — Entertainment district with rides, shops, and classic car shows
Lake Tohopekaliga — Scenic lake offering fishing, boating, and nature walks

FAQs About Kissimmee

Can I use my Kissimmee property as a vacation rental on Airbnb?
Yes, but only in designated short-term rental zones. Kissimmee and Osceola County have specific resort communities where short-term rentals (less than 30 days) are permitted, including Reunion, Champions Gate, Storey Lake, and several others. Homes in residential-zoned areas are NOT allowed to do short-term rentals. This is critical — always verify the property is in an approved short-term rental zone before purchasing for vacation rental income.
How much rental income can I expect from a vacation home near Disney?
A well-managed 4-5 bedroom vacation home in a resort community near Disney can gross $35,000-$55,000+ per year. Peak season (summer, holidays, spring break) commands $250-$500 per night, while off-season rates are $150-$250. After property management fees (20-25%), maintenance, taxes, insurance, and HOA, net cash flow is typically $10,000-$25,000 annually. Homes with pools, game rooms, and themed bedrooms command premium rates.
Do I need a property manager for my Kissimmee vacation rental?
For foreign owners living abroad, a property management company is essential. They handle guest bookings, check-ins, cleaning, maintenance, and emergency repairs. Many management companies in the Kissimmee area are Brazilian or Colombian-owned and operate in Portuguese and Spanish. Typical fees are 20-25% of gross rental income. Some companies also handle pool maintenance, lawn care, and pest control for additional fees. Home Financial Group can recommend trusted bilingual property managers in the area.
What taxes apply to vacation rental income in Florida?
Vacation rental income in Florida is subject to several taxes: Florida sales tax (6%), Osceola County tourist development tax (6%), and federal income tax. Foreign owners must also comply with FIRPTA withholding rules. Total transient rental taxes are approximately 12% of gross rental income, collected from guests and remitted to the state/county. Property management companies typically handle tax collection and remittance. Foreign owners should also file a US tax return (Form 1040-NR) to report rental income.
Can I use my vacation home when it's not rented?
Yes, most vacation rental communities in Kissimmee allow owners to use their homes when not rented. However, there are tax implications — if you use the property for more than 14 days per year (or more than 10% of the days it's rented), the IRS considers it a personal residence rather than a rental property, which affects what expenses you can deduct. Many foreign investors limit personal use to maintain the full tax benefits of rental property ownership.

Ready to Buy in Kissimmee?

Call Medardo F. Cevallos — foreign national mortgage expert in Kissimmee.

Call (954) 370-4849Schedule a Consultation

Other Cities

CelebrationDavenportOrlandoHomestead

Related Countries

🇧🇷
Brazil30% down
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Colombia30% down
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Venezuela30% down
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Argentina30% down
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Peru30% down