Learning Center · Updated 2025-01-15
Beach Home Financing Guide
How to structure financing for a Wrightsville, Carolina, Kure, or Topsail beach home, primary, second-home, or investment.
TL;DR
Occupancy intent drives the loan: primary, second home, or investment each have different down payments, rates, and rules.
Primary residence
Lowest down payment and best pricing, but you must actually live there.
Second home
10%+ down with limited rental allowed.
Investment / DSCR
Higher down payment, but qualify on rental income with DSCR.
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