LendingOne for Mississippi investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Mississippi context
Mississippi deep cash flow market. Gulf Coast STR active.
How LendingOne positions in Mississippi
Mississippi is well covered by national DSCR lenders, with LendingOne as one option. Where LendingOne differentiates: established track record. Where it competes: rates 9 to 12 percent against peer programs.
City-level coverage in Mississippi
LendingOne provides DSCR coverage across Mississippi metros including Jackson, Gulfport, and Hattiesburg. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne program terms apply uniformly across Mississippi metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Mississippi property tax | 0.8% |
| Mississippi state income tax | 4.7% |
LendingOne strengths in Mississippi
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Mississippi. LendingOne is based in Boca Raton, FL and operates nationally.
Jackson is the top investor market in Mississippi and falls within LendingOne national coverage. Jackson property tax follows the Mississippi state rate of 0.8 percent. LendingOne typically underwrites Jackson acquisitions at standard rate sheets.
Yes. Gulfport ranks among the larger Mississippi investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Gulfport matters for property selection.
LendingOne applies the same rate sheet across Mississippi metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Jackson, Gulfport, and Hattiesburg all qualify for the same LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Mississippi deep cash flow market. Gulf Coast STR active. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Mississippi.
Mississippi allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
For Mississippi DSCR borrowers, LendingOne is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.