Short-term rentals in Galveston, TX: rules, lenders and rates
The local STR rule from City of Galveston, TX's own page, the DSCR lenders that publish coverage in Texas, and what investors paid in Galveston County in 2025.
- STR status
- Registration required
- Lenders in TX
- 22
- Median note rate, 2025
- 7.374%
City of Galveston, TX
16 list TX · 6 licensed
177 DSCR-style loans
Short-term rental rules Registration required
City of Galveston, TX. Every short-term rental unit must register with the City each year. The fee is $250 for 2026 registration and renewal. The Galveston Vacation Rental (GVR) number must appear on all listings.
Source: galvestontx.gov · checked Oct 19, 2026
This covers only City of Galveston, TX, not every town in Galveston County or the wider Galveston area. Neighboring cities, the county, HOAs and condo associations can have their own rules. Check with the jurisdiction for the exact address before you go under contract.
What investors paid in Galveston County, 2025
- Median note rate7.374%
- Middle 50% paid (25th–75th pct)6.875%–7.75%
- DSCR-style loans177
Public HMDA records for all of Galveston County, including long-term rentals. Note rates at closing, not today's quotes.
DSCR math Example only
An illustrative loan, not a quote and not a typical price for Galveston, TX: $400,000 at 75% LTV (an implied $533,333 price), 30-year amortization at the Galveston County 2025 median of 7.374%.
- Monthly principal & interest$2,762
- Gross monthly rent for DSCR 1.00$2,762
- Gross monthly rent for DSCR 1.25$3,453
DSCR here is rent ÷ P&I only. Taxes, insurance and HOA dues are excluded; most lenders include them, which raises the rent you need. Many lenders also discount STR income.
DSCR lenders that lend in Texas
16 lenders list Texas in their published coverage; 6 more publish only their license list, which includes TX. Coverage is statewide; whether a lender will finance a short-term rental at a specific address is up to the lender. “Not published” means the lender doesn't publish that figure.
| Lender | TX coverage | STR income method | Min DSCR | Max LTV (purchase) |
|---|---|---|---|---|
| 1st Nationwide Mortgage | Yes | Either | 1.00 | 80% |
| Acra Lending | Yes | 12-month history | Not published | 75% |
| America Mortgages | Yes | Either | Not published | 80% |
| Certain Lending | Yes | Either | Not published | 75% |
| CoreVest Finance | Yes | Not published | Not published | 70% |
| Defy Mortgage | Yes | Either | 0.75 | 85% |
| Dominion Financial | Yes | Not published | Not published | 80% |
| Easy Lending USA | Yes | Either | 1.00 | 85% |
| Easy Street Capital | Yes | Either | Not published | 80% |
| Griffin Funding | Yes | Either | Not published | 85% |
| Kiavi | Yes | Not published | 0.80 | 80% |
| LendingOne | Yes | Not published | 0.75 | 80% |
| Lima One Capital | Yes | Projection | 1.30 | 75% |
| New Silver | Yes | Either | 1.15 | 80% |
| Quickline Capital | Yes | Projection | 0.75 | 80% |
| Visio Lending | Yes | Either | Not published | 85% |
| A&D Mortgage | Licensed there | Either | Not published | 80% |
| Angel Oak Mortgage Solutions | Licensed there | Projection | Not published | 85% |
| LendSure Mortgage | Licensed there | Either | 0.75 | 85% |
| Newfi Wholesale | Licensed there | Either | 1.00 | 80% |
| NQM Funding | Licensed there | 12-month history | Not published | Not published |
| theLender | Licensed there | Projection | Not published | 85% |
Figures come from each lender's own pages, with a source and check date on the lender's page. Compare more terms on the lender matcher.
More markets: all 24 STR markets · real rates by county · STR DSCR loans by state
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- A short, plain-English STR financing explainer
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Not a lender or broker. No referral fees. For education only. Figures come from each lender's public pages on the date shown and can change without notice, so verify them with the lender. Rates are estimates, not quotes. How we source data.