2025 · Mississippi

How investors finance real estate in Mississippi

In 2025, 5,444 investment-property loans worth $856M were originated on single-family 1-4 unit homes in Mississippi. Here's how those terms compared to the rest of the country.

Investor rate premium

101 bps

U.S. median: 76 bps

Denial rate

12.3%

U.S. median: 17.5%

DSCR / business-purpose

75%

U.S. median: 72%

Median LTV

75%

U.S. median: 74%

Since 2024 in Mississippi

Rate premium

163 bps → 101 bps

-62 bps

Investor loans

4,654 → 5,444

+17.0%

Denial rate

11.2% → 12.3%

+1.1 pts

DSCR / business-purpose

72% → 75%

+2.5 pts

What the numbers say

Investors in Mississippi borrowed at a median rate of 7.5%, versus 6.49% for owner-occupants — a 101 bps premium that ranks 3rd of 51 states.

Their applications were denied 12.3% of the time. The leading reasons for denial were collateral, debt-to-income ratio, credit history.

75% of investor loans were business- or commercial-purpose — the category that includes DSCR and LLC-held loans — and 9% were cash-out refinances. The typical loan-to-value was 75%, implying about 25% down.

Frequently asked questions

How much more do investors pay for a mortgage in Mississippi?

In 2025, the median investment-property loan in Mississippi carried a rate of 7.5% versus 6.49% for an owner-occupant — a premium of 101 bps. That ranks 3rd of 51 states (1 = highest premium).

What share of investor loan applications are denied in Mississippi?

12.3% of investment-property applications were denied in Mississippi in 2025, the 40th-highest denial rate among the 51 states. The most common denial reasons were collateral, debt-to-income ratio, credit history.

How common are DSCR and business-purpose investor loans in Mississippi?

75% of investor loans in Mississippi were flagged as primarily business or commercial purpose — the bucket that includes DSCR and LLC-held loans (11th of 51). The median loan-to-value was 75%.

Run the numbers for a deal here

DSCR Loan Qualifier Mortgage / DSCR Payment All 50 states ranked How we built this

Source: CFPB / FFIEC HMDA combined Modified LAR (loan-level public dataset, early release), 2025. Single-family 1-4 unit, site-built loans; financed purchases only.