Reunion ranks as a medium-DSCR-friendliness market with medium growth dynamics, sitting in the South region of the country.
Reunion attracts DSCR investors for specific reasons rooted in local economics. The South regional position combined with Florida's effective 1% property tax produces a particular cash flow profile that distinguishes Reunion from peer metros. At a metro population of 8K and medium growth dynamics, the rental demand base supports steady occupancy.
Reunion in regional context
Reunion is part of the Sunbelt investor story. No state income tax in Florida enhances investor after-tax returns. Orlando premium STR community
Dominant property types in Reunion include SFR.
Investor strategies that work in Reunion
Within Reunion, the strategies that produce reliable returns include balanced cash flow and appreciation holds, STR DSCR for properties near tourism corridors, institutional-scale portfolio building. The metro rewards operators who treat Reunion as a market with submarket-level variation rather than a monolithic investment area.
Where Reunion fits in the broader market
Reunion's position among US investor markets reflects its specific blend of Florida state-level dynamics and South regional patterns. The metro sits among the larger US markets with medium growth momentum. Investors comparing Reunion to other options should weight the specific cash flow vs appreciation balance.
DSCR lenders active in Reunion
RCN Capital is a national non-QM lender with capacity for larger transactions and strong experience on multi-unit and small commercial deals.
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products.
Easy Street Capital has one of the more flexible non-QM platforms in the market, with particular strength in short-term rental DSCR underwriting (counting projected nightly revenue rather than long-term lease income).
Lima One Capital is one of the deepest non-QM lenders in the country with a full product suite spanning fix-and-flip, BRRRR, rental, and new construction. Particularly strong on the rental refi exit, which makes them a one-stop shop for BRRRR strategies.
Kiavi (formerly LendingHome) is one of the largest hard money lenders by volume in the country. Tech-forward platform with online application and fast underwriting for experienced borrowers. Active across Chicago and all major investor markets.
Renovo Financial is the largest Chicago-based hard money lender. Founded 2011, they've closed thousands of loans across the Midwest and have particularly deep penetration in Chicago, Indianapolis, and Milwaukee. Strong relationships with the local broker community make them a default first-call for many Chicago investors.
Reunion-specific FAQ
Reunion is in Florida, with effective property tax rate of approximately 1%. Florida has no state income tax, which materially improves net cash flow for Reunion rental investors. For a Reunion property at the median home value of $565K, annual property tax runs approximately $6K.
Reunion carries elevated climate exposure — primarily hurricane and storm surge. Insurance in Reunion runs materially above the national average. Flood zone status (FEMA) matters for Reunion acquisitions — verify before purchase.
Reunion sits in the moderate-growth tier. Steady job market and stable demographics support consistent rental demand. Returns typically blend modest appreciation with meaningful cash flow.
Single-family dominates Reunion DSCR activity. Typical types include SFR. Limited multi-unit inventory.
Reunion is generally STR-friendly. STR-specific DSCR lenders (Easy Street Capital, Visio) underwrite Reunion on projected nightly revenue. Verify local STR rules and zoning before acquisition.
Reunion's gross rent-to-price ratio averages 0.55% — workable for DSCR. Properties at median produce DSCR of 1.0-1.2 at standard LTV; stronger acquisitions can clear 1.3+.
BRRRR works selectively in Reunion for disciplined operators. Acquisition discipline, accurate ARV, and clean rehab execution matter more here than in deeper cash-flow markets.
Reunion metro population is approximately 8K. Large metro size supports diverse tenant pool and deep rental demand across submarkets.
Reunion investor activity comes primarily from US residents — mix of local operators and out-of-state portfolio buyers.
Most DSCR lenders active in Reunion are national non-QM platforms — Kiavi, Lima One, Easy Street, LendingOne. Some regional non-QM operators may have specific advantages.
Reunion has less pronounced seasonal patterns than colder-climate metros. Year-round tenant demand more typical.
Most Reunion DSCR investors hold 5-10+ years. Hold timing depends on appreciation, refinance cycles, and investor capital recycling.
Within the South region, Reunion occupies the mid-tier. Population of 8K and medium growth profile place it in the steady-growth tier.
Bottom line for Reunion
Reunion's appeal to DSCR investors comes from the specific combination of medium cash flow economics, medium growth dynamics, and South regional positioning. Active investors typically build portfolios mixing Reunion with one or two complementary markets — a strategy that diversifies across regional risks while concentrating in operationally familiar territory.
Core DSCR questions
DSCR rates currently run 7.5–10.5% depending on borrower profile, leverage, and DSCR coverage ratio. Best pricing requires DSCR 1.25+, FICO 740+, and 5+ funded deals of experience.
Yes — most DSCR lenders require or strongly prefer LLC vesting. Structured as business-purpose loans, DSCR vesting in an LLC maintains exemption from consumer mortgage regulations. Personal guarantees from LLC principals typically back the loan.
Standard DSCR closes in 30-45 days from application to funded close. Refinances may run slightly faster; cash-out refinances and complex properties slightly longer.
Property appraisal, lease (if rented) or projected rent estimate, title commitment, insurance binder, LLC operating agreement, basic credit pull, and proof of liquidity reserves. No personal tax returns or income documentation required.
Educational content only. DSCR loan terms, eligibility, and pricing are determined by individual lenders and subject to change.