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UNITEDLENDING

Investment property loans · MS

Hard money, fix and flip and DSCR loans in Mississippi

Mississippi investors use our loans for rentals and renovations in Jackson, on the Gulf Coast around Gulfport, and in Hattiesburg.

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Markets

Where we lend in Mississippi

Cities we lend in include Jackson, Gulfport and Hattiesburg, and the towns around them.
JacksonOlder houses in Belhaven and near downtown, and single-family rentals in west Jackson's postwar subdivisions.
GulfportHouses near the beach and inland, where flood zones, elevation rules and wind insurance shape the budget.
HattiesburgOlder houses in the historic districts near downtown and rentals near the University of Southern Mississippi.

Mississippi

Loans by city in Mississippi

Each city has its own page: the neighborhoods investors buy in, the housing and the local rules worth checking before an offer.

Loan programs

Loans for Mississippi real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Mississippi

30-year loans for Mississippi rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Mississippi

Buy and renovate in Mississippi with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Mississippi

Close quickly on a Mississippi property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Mississippi

Financing for new builds in Mississippi, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Mississippi

Financing for Mississippi apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Mississippi

Local things that change a deal's numbers or its closing date. Check them before you make an offer.
  • Mississippi assesses a home the owner lives in at 10% of its true value and other property, rentals included, at 15%. The same house carries a higher tax bill once it's rented, so use the 15% rate when you run the numbers.
  • A standard property policy doesn't cover flood. Check the FEMA flood zone, even outside the mapped floodplain, and price flood coverage through the National Flood Insurance Program before you make an offer.

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Have a Mississippi property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Mississippi: common questions

Do you offer hard money loans in Mississippi?

Yes. United Lending LLC offers private real estate financing for investors in Mississippi: short-term fix and flip and bridge loans sized on the deal, 30-year DSCR loans sized on the rent, and construction and multifamily financing quoted per deal. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you lend in Mississippi?

Yes. United Lending LLC offers business-purpose financing on investment property across Mississippi, including Jackson, Gulfport and Hattiesburg. Tell us the property's address on the form and a loan officer will confirm the details on the first call.

Which loans can I get for a Mississippi property?

Fix and flip loans of up to 95% of the price and 100% of the rehab budget, and bridge loans up to 95% loan-to-cost, both on 12–18 months interest-only terms. DSCR rental loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, up to 85% loan-to-value on a purchase and 80% on a cash-out refinance; those are separate limits, not one combined offer. Construction and multifamily loans are quoted per deal. All limits are subject to appraisal and underwriting, and every loan is for property you invest in, not a house you or a relative will occupy.

Is there a prepayment penalty on a Mississippi loan?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Mississippi or have an LLC there?

No. Many of our borrowers invest outside the state they live in. You can borrow in your own name or through an LLC; if the LLC was formed in another state, your loan officer will tell you what's needed before closing.

Where we lend

More states with local pages