30A is the informal name for Scenic Highway 30A — a 24-mile stretch of Walton County coastline between Miramar Beach and Inlet Beach that encompasses some of the most architecturally distinctive and financially exclusive beach communities in the American South. Rosemary Beach, Seaside, Watercolor, Alys Beach, Grayton Beach, WaterSound — each community has its own character, HOA structure, and price tier, ranging from $600,000 Grayton Beach cottages to $5M+ Alys Beach compounds. The 30A vacation rental market is one of Florida's highest-grossing per-property: Rosemary Beach nightly rates regularly exceed $1,500/night in peak season. Walton County's 2026 conforming limit is $832,750. Tayton Capital serves the entire 30A corridor. NMLS #2106875.
The 30A Rental Market and DSCR
30A's nightly rental rates are among the highest per square foot of any Gulf Coast market in the country. A Rosemary Beach 4-bedroom cottage renting at $2,000/night for 60 peak nights generates $120,000 in summer revenue alone. The overall annual gross for a well-managed Rosemary or Alys Beach property routinely exceeds $150,000–$200,000 — producing DSCR ratios that support even the market's elevated purchase prices. Each community on 30A has different HOA restrictions on short-term rentals — some communities restrict STR, others allow it — and we verify community-level rental policies before structuring DSCR on any specific property.
Jumbo and Portfolio Financing on 30A
Properties in Alys Beach, WaterSound, and premium Rosemary Beach routinely exceed $2M. Financing at these levels requires jumbo lenders who understand Florida coastal property, HOA-restricted community structures, and the buyer profiles typical of 30A — self-employed executives, LLC purchasers, and high-net-worth second-home buyers. We work with portfolio and jumbo-specialized wholesale lenders who have 30A experience.
Loan programs we run
- DSCR — 30A vacation rental financing — one of Florida's top-grossing STR markets per property.
- Jumbo — Alys Beach, WaterSound, premium Rosemary Beach above $832,750.
- Second Home Conventional — 10% down for personal-use buyers.
- Bank Statement — Self-employed buyers and seasonal income earners.
- Asset Depletion — High-net-worth buyers.
- Conventional — Entry-level 30A purchases under $832,750.
Areas we serve
- Rosemary Beach
- Alys Beach
- Seaside / WaterColor
- WaterSound
- Grayton Beach
- Santa Rosa Beach (PCH/30A junction — more affordable, primary market)
- Inlet Beach (east end)
Frequently Asked Questions
I want to buy in Rosemary Beach. Does the HOA allow short-term rentals?
The Rosemary Beach community does allow short-term rentals, which supports DSCR financing and makes Rosemary one of the most investable communities on 30A. However, HOA rules, minimum stay requirements, and community management requirements apply — we verify the specific property and community rules before structuring any DSCR transaction.
Most 30A properties are above $1M. What jumbo lenders do you work with?
We have relationships with 6+ wholesale jumbo lenders experienced in Florida coastal properties. At 30A price points, we shop for the best rate among lenders who understand the market — rather than placing with a generic jumbo lender who treats 30A as an exception.
Can I buy a 30A property with an LLC using DSCR?
Yes — DSCR financing allows LLC ownership at closing, which is the structure most 30A investors prefer for liability protection and portfolio management. We work with DSCR lenders who handle LLC borrowers for Walton County properties routinely.
What's the most affordable entry point on 30A?
Santa Rosa Beach (the area at the intersection of US-98 and 30A) and Grayton Beach have the lowest price points on the corridor — single-family homes and condos in the $550,000–$800,000 range. These communities have the same Gulf access but fewer architectural restrictions and lower HOA fees than Rosemary, Alys, or WaterSound.