Surfside & Matagorda DSCR & Beach Home Loans
Beach houses on pilings, fishing getaways and new coastal builds.
Financing in Surfside Beach & Matagorda
Quick answer: Surfside Beach and Matagorda are smaller, more affordable beach-rental markets with growing demand. Top Notch Mortgage offers DSCR loans for vacation rentals, second-home loans and construction loans for new beach homes.
What to know before you buy, build or borrow
- Local rules vary. Surfside Beach, Matagorda and the surrounding counties each handle rentals differently. Check registration and hotel tax requirements 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 Surfside & Matagorda
- 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 Surfside Beach rental with a DSCR loan?
Yes. A DSCR loan qualifies on the property's rental income, and LLCs are welcome.
Can I build a beach house in Matagorda?
Yes. Top Notch Build covers the lot, the construction and the permanent mortgage with one closing.
Do I need windstorm insurance on the Texas coast?
In most coastal areas, yes. Homes built or repaired there generally need a windstorm certificate to qualify for TWIA coverage.
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