DSCR Loans in Mississippi

Start or scale your real estate investment portfolio in Mississippi with a DSCR loan. DSCR loans in Mississippi enable investors to qualify for a mortgage using rental income rather than personal income. No tax returns or employment verification required.

  • Obtain financing based on cash flow 
  • No-income mortgage solution 
  • Buy or refinance short- and long-term rentals 
  • Unlimited cash-out
  • Competitive DSCR loan rates in Mississippi
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Areas We Serve

Griffin Funding provides DSCR loans to borrowers throughout Mississippi, including the following areas:

  • Jacksonville
  • Miami
  • Tampa
  • Orlando
  • St. Petersburg
  • Tallahassee
  • Fort Lauderdale
  • Daytona Beach
  • Sarasota
  • Vero Beach
  • Cape Coral

Real Estate Investment Financing in Mississippi

Debt service coverage ratio (DSCR) loans allow real estate investors to qualify for a mortgage based on a property’s cash flow rather than personal income. Instead of reviewing tax returns or pay stubs, we prioritize a property’s DSCR — which measures its income versus its debt obligations — to make a lending decision. This offers a flexible mortgage solution for real estate investors looking to build or expand their portfolio. 

DSCR loans can be used to purchase or refinance long-term and short-term rental properties, with financing available for many different property types and no limit on the number of properties financed. Access up to $20 million in financing while enjoying a streamlined underwriting process with no income or employment verification. 

Visit our DSCR loan page to learn more about this type of financing and see today’s rates. Contact Griffin Funding or get started online to take the first step towards securing a DSCR loan in Mississippi. 

Frequently Asked Questions

A good DSCR ratio is anything above 1 because it indicates your rental property generates enough income to repay the mortgage debt and then some. However, some lenders, such as Griffin Funding, allow for lower DSCR ratios, but it may mean getting a higher interest rate and making a larger down payment.

DSCR loans in Mississippi are for business purposes and investment property only, meaning you can’t live in a home bought with a DSCR loan. They’re not designed for primary residences or vacation properties. In fact, they’re not for any personal use at all. If you want to purchase an investment property and live in it, you’ll need a different type of loan.

If you’re looking to purchase a primary residence and want more flexible lending requirements, consider our Non-QM loans for residential, personal-use properties. With bank statements and asset-based loans, you can purchase a primary residence without W2s or tax returns.

Not only is there no limit on the number of properties you can purchase with a DSCR business loan in Mississippi, but you can also finance a variety of different types of properties, ranging from residential to commercial, including:

  • Single- and multi-family homes
  • Business properties
  • 1-4 unit rental properties

Keep in mind that Griffin Funding only offers these commercial loans on 1-4 unit residential investment properties, and as the investor, you can’t live in them. Contact us today for a full list of different types of properties you can finance with a DSCR loan in Mississippi.