30A — the scenic highway connecting Seaside, Rosemary Beach, Alys Beach, WaterColor, and Grayton Beach in Walton County — is one of Florida's most exclusive vacation rental corridors. DSCR loans are the financing tool of choice for 30A investors.
The 30a Str Market
30A properties command premium nightly rates year-round, with peak season (June–August) generating the majority of annual income. Gulf-front homes on 30A regularly generate $150,000–$400,000+ in annual gross rental revenue. Even interior 30A properties with community pool access consistently generate $60,000–$120,000+ annually.
2026 Loan Limits — Walton County
- FHA limit: $603,750 (above FL standard floor)
- Conforming limit: $832,750
- Loans above $832,750 are jumbo — common on 30A where medians exceed $1M
Dscr on 30a — What You Need
- Down payment: 20–25% standard; 25–30% for jumbo DSCR above $832,750
- Credit score: 680–720+
- DSCR ratio: 1.0+ minimum (most 30A properties exceed this significantly)
- Can close in LLC
- STR restrictions: None county-wide in unincorporated Walton County (as of 2026); Seaside and some private community HOAs may have rental restrictions — verify before offer
30a Second Home vs. Dscr Investor Loan
If you plan to use the property personally for 2–4 weeks per year AND rent it for the remainder, you have two options: 1. Second home conventional loan (10% down, better rate, no LLC) — strict rules: no mandatory rental program, must be suitable for personal use 2. DSCR investment loan (20–25% down, slightly higher rate, can use LLC) — no personal occupancy requirements
We help you choose the right structure based on your usage intentions and tax planning.