Why My $905K Buyer Took a Mortgage He Didn't Need

My buyer had enough cash to purchase a $905,000 Myrtle Beach home outright—but he deliberately took out a mortgage instead. Was that a mistake, or the smarter financial move? In this video, I compare two real new-construction buyers with two completely different approaches to money. One buyer is using short-term financing to make his family’s relocation easier. Another couple may wait two years to remain debt-free—but could lose valuable builder incentives, favorable financing, and the opportunity to build the home they actually want. We also compare SayeBrook and Pulte’s Crescent Cove, including location, pricing, beach access, the Intracoastal Waterway, and which community may fit different lifestyles. CHAPTERS 0:00 Cash vs. Debt-Free 2:12 SayeBrook or Crescent Cove? 3:13 Why SayeBrook Wins on Location 5:11 Should You Buy Near the Water? 6:12 She’s Ready—He Isn’t 9:19 The Dave Ramsey Problem 10:58 What Is Money Really For? 12:19 The Cost of Waiting Two Years 13:24 Why My $905K Buyer Financed 15:01 Check for This Loan Penalty 16:03 Buy It, Rent It, Pay It Off 17:19 The Debt-Free Trap 20:06 Myrtle Beach Builder Incentives 22:30 Who Offers the Best Deal? 27:59 Best Builders Ranked 28:48 Top 5 New-Construction Communities WHAT YOU’LL LEARN ✅ Why someone with enough cash might still finance a home ✅ Which builder incentives you could lose by waiting ✅ SayeBrook versus Crescent Cove: location, pricing and lifestyle ✅ The question buyers should ask before choosing the Intracoastal Waterway ✅ Why a two-story home may work better when relocating to the beach ✅ How financing can remove the pressure of selling your current home first ✅ How a buyer could purchase now, rent temporarily and pay the mortgage off later THE $905K BUYER My client is purchasing a $905,000 home in Waterway Palms Plantation in Carolina Forest. He has enough cash to buy it outright, but financing allows his family to move to Myrtle Beach without rushing the sale of their current home or living somewhere temporarily. His plan is not to carry a 30-year mortgage unnecessarily. He expects to sell his existing home, complete the move and pay off the new loan in approximately six to eight months. THE DEBT-FREE COUPLE The other couple is relocating from Kansas City and considering SayeBrook and Crescent Cove. The husband recently paid off his debt and wants to wait until they can purchase entirely with cash. Being debt-free is a major accomplishment. However, waiting could mean losing current new-construction incentives, lower promotional rates, closing-cost assistance, upgrade credits and the opportunity to select the home they actually want. The central question is not simply “cash or mortgage?” It is: Does this financial decision help you accomplish your current goal—or is a strategy from a previous season preventing you from moving forward? Thinking About Buying a New Construction home in Myrtle Beach, SC or Its Surrounding Areas? 📲 Call/Text Direct: 843-360-1737 📧 Email: brandonkunasek@kw.com 📅 1-on-1 Discovery Zoom Call → https://scheduler.zoom.us/brandon-kun... 👉 VISIT OUR WEBSITE TO LEARN MORE & SEARCH LISTINGS: https://www.myrtlebeachnewconstructio... https://substack.com/@brandonkunasek Visit: https://www.brandonkunasek.com Contact: Brandon Kunasek, Broker Keller Williams Innovate South Shorewise Wealth 843-360-1737 brandonkunasek@kw.com. Disclaimer: All information given is meant to be educational. I am only passing on historical information shared with me by owners, rental companies, and various publications. I am not guaranteeing these numbers, nor can I guarantee future rentals or appreciation. This information is not intended to replace your own research, or to provide legal, investment, or financial advice. Please consult an attorney for legal advice.