DSCR Loans in Jackson, MS
Find lenders offering dscr loans in the Jackson, including Madison, Ridgeland, Brandon, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Jackson
42 lenders offering dscr loans in the Jackson, MS area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Jackson Commercial Real Estate Market
Jackson is Mississippi's capital and largest city, with a CRE market shaped by state government, healthcare, and its role as the state's financial and legal services center. The Fondren District and Belhaven neighborhood have emerged as the metro's trendiest commercial submarkets, attracting restaurant, boutique retail, and creative office tenants. The University of Mississippi Medical Center campus in the Midtown area is the state's only academic medical center and drives significant medical office demand. Suburban commercial growth has shifted heavily toward the Flowood, Brandon, and Madison/Ridgeland corridor along I-55 North and the County Line Road retail node, which now rivals downtown for office and retail activity.
Key Economic Drivers
- ●Mississippi state government Capitol complex and associated legal and lobbying office demand
- ●University of Mississippi Medical Center and its $2 billion economic impact on the metro
- ●Nissan Canton assembly plant employing 5,000-plus workers in the northern metro
- ●Madison/Ridgeland I-55 corridor suburban office and retail growth
Market Insight
Mississippi's Advantage Jobs Rebate program offers income tax rebates of up to 90% for qualifying businesses creating high-paying jobs, and Jackson's low cost of doing business — with office rents averaging roughly half of peer Southern metros — makes it one of the most affordable capital-city CRE markets in the U.S.
DSCR Loans in Jackson, Mississippi
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Jackson metro area, borrowers can access 42 lenders offering DSCR financing, including Madison, Ridgeland, Brandon, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Other Mississippi Cities
Find DSCR Lenders in Jackson
Get matched with lenders offering dscr loans in the Jackson, MS area. Free for borrowers.
Get Matched — Free →