Panama City Beach is a top Panhandle STR market — spring break tourism drives strong rental yields and vacation investment demand.
Panama City Beach is a top Panhandle STR market — spring break tourism drives strong rental yields and vacation investment demand. The 2026 conforming loan limit is $832,750 and the FHA limit is $541,287, covering most Panama City Beach purchase scenarios. STR regulations are active in Panama City Beach; DSCR investment loans remain available for qualifying rental properties.
The 2026 conforming loan limit in Bay County is $832,750, covering most Panama City Beach home purchases. FHA buyers work within Florida's $541,287 floor — 3.5% down, flexible credit, and no income limit for qualifying. Short-term rental regulations are active in Panama City Beach — DSCR and investment financing remains available, but buyers should confirm current STR permitting before purchasing income-targeted properties.
| Loan Type | 2026 Limit |
|---|---|
| Conforming | $832,750 |
| FHA | $541,287 |
| VA | No limit (full entitlement) |
| Jumbo | Above $832,750 |
STR Note — Short-term rental regulations are active in Panama City Beach. DSCR investor financing is still available; confirm STR permits before purchase.
We're licensed in both Colorado and Florida — one broker, both states. Most of our Florida clients close fully remotely with e-sign and mobile notary. No office visit required.
The 2026 conforming loan limit in Bay County is $832,750. The FHA limit is $541,287. VA loans have no county loan limit for borrowers with full entitlement. Loans above the conforming limit require jumbo financing.
Down payment requirements depend on the loan: 0% for VA and USDA (where eligible), 3.5% for FHA, 3–5% for conventional first-time buyers, 10–20% for jumbo loans, and 20–25% for DSCR investor loans.
Yes — Tayton Capital is licensed in both Colorado and Florida. We close fully remote using e-sign and mobile notary at closing. Most out-of-state buyers never need to visit our office.
Yes. DSCR loans qualify based on the property's rental income — not your W-2 or tax returns. They're available for single-family, condos, and 2–4 unit properties in Panama City Beach with a minimum 20–25% down payment.
Get pre-approved in minutes — we'll follow up the same day with loan options tailored to Bay County.
Tell us a little about you and we'll reach out personally — usually within one business day.
Or call (970) 708-9624