Rockport & Fulton DSCR & Second-Home Loans
Bay-front rentals, fishing getaways and coastal custom homes.
Financing in Rockport & Fulton
Quick answer: Rockport and Fulton offer bay-front homes, fishing getaways and new coastal construction. Top Notch Mortgage finances vacation rentals with DSCR loans, second homes, and new builds.
What to know before you buy, build or borrow
- Check which rules apply. Rockport requires short-term rentals to register with the city and collect local taxes. Fulton and unincorporated Aransas County have their own rules, so confirm with the right office before you buy.
- Windstorm insurance counts in the ratio. Most of the Texas coast is in the state's designated catastrophe area, where many owners carry windstorm coverage through the Texas Windstorm Insurance Association (TWIA). Homes built or repaired there generally need a windstorm certificate to qualify. Those premiums go straight into the DSCR calculation, so we get an insurance quote before you write an offer.
- Flood insurance and elevation. Many beach properties sit in a FEMA flood zone, so flood insurance may be required. The home's elevation can change the premium a lot, and an elevation certificate helps us price it early.
- Build it your way. Top Notch Build combines the lot, the construction and the permanent mortgage into one loan with one closing, so you can build a custom home or a purpose-built rental.
- Second home or rental? If you will use the place yourself part of the year, a second-home loan may cost less. If it will mostly be rented to guests, a DSCR loan that qualifies on the property's income is usually the cleaner path. We will show you both.
Loans we make in Rockport & Fulton
- DSCR loans for vacation and long-term rentals
- Cash-out refinance and second mortgages on rentals you own
- Second-home loans
- Top Notch Build™ construction and lot loans
Have a property in mind? Text Brad (512-269-5278) or Buddy (512-595-6220) the address and the expected rent, and we will run the numbers before you make an offer. You can also try the mortgage calculators.
Questions
Can I finance a Rockport vacation rental with a DSCR loan?
Yes. A DSCR loan qualifies on the rental income, and LLCs are welcome.
Can I build a new home in Rockport?
Yes. Top Notch Build covers the lot, construction and permanent mortgage, and new coastal construction is built to windstorm standards.
Do Rockport rentals need to register?
Yes, inside Rockport city limits. Fulton and the county handle rentals differently, so check before you buy.
Explore loan options
Your game plan is one step away.
Tell us what you want to accomplish and Brad or Buddy will personally review your options and get back to you within the hour. No credit pull. No obligation.
Call or text either of us directly:
Brad 512-269-5278 · Buddy 512-595-6220
Ready to apply? Start your application