MoFin Lending for Mississippi investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Mississippi context
Mississippi deep cash flow market. Gulf Coast STR active.
How MoFin Lending positions in Mississippi
Mississippi is well covered by national DSCR lenders, with MoFin Lending as one option. Where MoFin Lending differentiates: Licensed in 34 states. Where it competes: rates not publicly published against peer programs.
City-level coverage in Mississippi
MoFin Lending provides DSCR coverage across Mississippi metros including Jackson, Gulfport, and Hattiesburg. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending program terms apply uniformly across Mississippi metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Mississippi property tax | 0.8% |
| Mississippi state income tax | 4.7% |
MoFin Lending strengths in Mississippi
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Mississippi. MoFin Lending is based in an undisclosed location and operates nationally.
Jackson is the top investor market in Mississippi and falls within MoFin Lending national coverage. Jackson property tax follows the Mississippi state rate of 0.8 percent. MoFin Lending typically underwrites Jackson acquisitions at standard rate sheets.
Yes. Gulfport ranks among the larger Mississippi investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Gulfport matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Mississippi deep cash flow market. Gulf Coast STR active. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Mississippi.
Mississippi allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
Mississippi investors considering MoFin Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.