Panama City Beach is one of Florida's strongest short-term rental markets, and DSCR financing is the primary tool for investors buying here. DSCR loans qualify based solely on the property's projected rental income — no personal income documentation, no W-2s, no tax returns. Investors typically put 25% down ($121,200 on Panama City Beach's $485,000 median) and can close in an LLC for asset protection.
Panama City Beach regulates short-term rentals — permits are required and may be capped in certain zones. Before closing on a DSCR property targeting STR income, confirm: (1) an STR permit is available for that address, (2) the permit is transferable or a new one can be obtained, and (3) the STR income projection is based on permitted, not speculative, rental activity.
DSCR loans are not limited to STR — long-term rental properties in Panama City Beach qualify equally. We run DSCR analysis for both income scenarios so you can choose the highest-return strategy.
Send us the property address and projected rent and we'll run a full DSCR analysis same day — including rate scenarios at 20%, 25%, and 30% down.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624