DSCR Lenders in Mississippi
5 verified DSCR lenders serving Mississippi real estate investors. Compare rates, loan programs, and close times — no tax returns required.
Austin, TX
Visio is a pioneer in DSCR lending, exclusively focused on investor rental properties. They offer 30-year fixed DSCR loans, no income verification, and close in 21 days. Rates from 7.25%.
New Orleans, LA
New Orleans DSCR lender for Louisiana and Gulf Coast investors. Multifamily and short-term rental financing. Foreign national programs.
Memphis, TN
Memphis DSCR lender for Tennessee and Mid-South investors. Multifamily and portfolio financing. Competitive rates, flexible underwriting.
Jackson, MS
Mississippi and Southeast DSCR lender. Rental portfolio, fix and flip, and bridge financing for value-add investors. Flexible qualification.
Charlotte, NC
Non-QM specialist offering DSCR loans, bank statement loans, and asset depletion. Strong wholesale channel. Deephaven is one of the top DSCR lenders for brokers to use with investor clients.
DSCR Loans in Mississippi — FAQ
What is a DSCR loan and how does it work in Mississippi?
A DSCR (Debt Service Coverage Ratio) loan qualifies based on rental income rather than your personal income. Lenders in Mississippi typically require a DSCR of 1.0 or higher, meaning the property's monthly rent covers the mortgage payment. No tax returns or W-2s required.
What credit score do I need for a DSCR loan in Mississippi?
Most Mississippi DSCR lenders require a minimum 660-680 FICO score, though some offer programs down to 620. Higher scores unlock better rates and lower down payments.
What is the minimum down payment for a DSCR loan in Mississippi?
Typical DSCR loans in Mississippi require 20-25% down for single-family rentals. Multifamily (2-4 units) may require 25-30%. Some programs allow as little as 15% with strong DSCR ratios.
How fast can DSCR lenders close in Mississippi?
Most DSCR lenders on this directory offer closings in 14-21 business days. Hard money and bridge lenders can often close in 7-10 days. Compare timelines by viewing individual lender profiles.
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