Where we lend · Mississippi (MS)
Investment property financingin Mississippi.
Fix & flip, DSCR rental, bridge and construction loans for investors in Jackson, Gulfport, Southaven and across Mississippi. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Mississippi,at a glance.
Mississippi is the most affordable state for real estate investment in the country, with some of the lowest median home prices and highest cap rates available anywhere. Jackson, the state capital, offers single-family rental properties under $100K with cap rates of 10-15% — numbers that are almost impossible to find in other states. The Gulf Coast (Gulfport, Biloxi) has a more diversified economy driven by casinos, military (Keesler Air Force Base), and shipbuilding, with stronger property values and growing short-term rental potential. Southaven and the DeSoto County suburbs benefit from Memphis commuter demand. Hattiesburg has a university-driven rental market. Mississippi's extremely low cost of entry makes it popular with out-of-state investors building large rental portfolios.
Markets we serve
- Jackson
- Gulfport
- Southaven
- Hattiesburg
- Biloxi
Why AIRE Lending in Mississippi
- Programs designed for Mississippi's exceptionally low price points
- DSCR lending optimized for Mississippi's industry-leading cap rates
- Gulf Coast property financing including short-term rental programs
- Fast closings across the state
- Support for out-of-state investors building Mississippi portfolios
Programs available
What we lendin Mississippi.
Loan programs currently available through AIRE Lending in MS.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Mississippi licensing and compliance
Mississippi does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Mississippi lending regulations.
Questions, answered
Lending in Mississippi,explained.
Why is Mississippi popular with out-of-state investors?
Mississippi offers the lowest entry costs in the country. Investors can purchase single-family rentals for $50K-$100K that rent for $700-$1,000/month, producing cap rates of 10-15%. For investors focused purely on cash flow, Mississippi is hard to beat.
What is your minimum loan amount for Mississippi properties?
Our minimum loan amount is $75K, which covers the majority of Mississippi investment properties in Jackson, Gulfport, Hattiesburg, and other cities. For properties below this threshold, we recommend consulting with our team about bundling multiple properties.
Is the Mississippi Gulf Coast a good investment area?
The Gulf Coast (Gulfport, Biloxi, Ocean Springs) has a more diversified economy than inland Mississippi, with casinos, Keesler AFB, and shipbuilding. Property values are higher but still affordable, and the area has growing short-term rental potential for beach-adjacent properties.
Do you finance properties in rural Mississippi?
Yes, as long as the property meets our minimum value requirements and has demonstrable rental demand or resale potential. Many Mississippi investment opportunities are in smaller cities and towns with strong local employers.