DSCR LOANS · Mississippi (MS) Underwriting Matrix

Mississippi DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Mississippi DSCR Loans provide business-purpose real estate investors with Up to 80% LTV Purchase / 75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.375% – 8.25% (Wholesale Tier Dependent) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO, 620 – 660+ FICO min FICO, 14 – 21 Business Days close). In Mississippi (MS), lenders underwrite to a Non-Judicial (Deed of Trust Power of Sale) statutory framework (45–70 days-day average timeline), a 0.78% average property tax rate (~$146/mo at the $225,000 state median), and $760/$100K hazard insurance (~$143/mo).

Max Leverage / LTC

Up to 80% LTV Purchase / 75% Cash-Out

Min FICO: 620 – 660+ FICO

2026 Rate Band

6.375% – 8.25% (Wholesale Tier Dependent)

30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO

MS Security Instrument

Non-Judicial (Deed of Trust Power of Sale)

45–70 days days avg timeline

MS Avg Tax & Ins

0.78% Tax

$760/$100K Hazard Ins

How DSCR Loans Work in Mississippi (MS)

Debt Service Coverage Ratio (DSCR) loans qualify real estate investors strictly on the subject property’s rental cash flow (DSCR = Monthly Rent ÷ Monthly PITIA for 1–4 units, or Annual NOI ÷ Debt Service for 5+ units) rather than personal W-2s or federal tax returns. Loan Daddy LLC (NMLS #2827624) underwrites 1–4, 5–8, 5–9, 5–10, 5–25, and 5+ unit properties up to 80% LTV nationwide.

1. Mississippi Median Benchmark

Median 1–4 unit price of $225,000 (75% LTV = $168,750) with Form 1007 rent of $1,820/mo and multifamily rent of $1,090/door.

2. Escrow & Title Underwriting

Mississippi operates under a Non-Judicial (Deed of Trust Power of Sale) regime (45–70 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (14 – 21 Business Days)

Close in your Mississippi LLC or Delaware LLC registered in MS with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Mississippi

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