Where We Lend

Hard Money & Rental Loans in Mississippi

Under-the-radar cash flow from Jackson to the Gulf.

Mississippi flies under the radar, and that's the opportunity. Jackson-metro rentals carry some of the lowest entry prices in the Southeast, the Gulf Coast runs on steady military and shipyard demand, and DeSoto County sits inside the Memphis metro. Add college towns like Hattiesburg, Oxford, and Starkville, and there's more here than most lenders bother to learn. We lend statewide.

Single-family investment property financed by Pimlico Capital
Mississippi
ActiveLending statewide
82Counties eligible
LowEntry price points
Loan Products Available in Mississippi

What We Fund Here

Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Markets We Cover

Cities & Counties We Know

Where Pimlico Capital has an active book and on-the-ground knowledge in Mississippi.

Jackson Metro

Jackson, Clinton, Pearl, Brandon, Madison. Workforce rentals at very low entry prices.

Gulf Coast

Gulfport, Biloxi, Ocean Springs, Pascagoula: Keesler AFB and Ingalls Shipbuilding anchor demand.

DeSoto County

Southaven, Olive Branch, Horn Lake — effectively Memphis suburbs, pairing with our Tennessee lending.

College Towns

Hattiesburg (USM), Oxford (Ole Miss), Starkville (MSU): student and workforce rentals.

Local Expertise

What we actually know about Mississippi

A non-exhaustive list of the state- and city-specific things we deal with every day.

  • DeSoto County trades with Memphis — one metro, two states, one lender.
  • Low acquisition prices mean the rehab budget often carries the deal — 100% rehab funding fits.
  • Gulf Coast wind and flood insurance is real — we model it into DSCR from day one.
  • Mississippi closings through local counsel and title, with LLC vesting standard.

Why local knowledge matters

A national lender with a call center won't know that a Baltimore rowhouse needs a ground-rent redemption, or that Charleston STR zoning has three tiers. We've closed thousands of deals — and we've hit (and learned from) every local curveball.

Common Questions

Mississippi Lending FAQ

Is there a minimum loan for low-priced Jackson properties?
$75K on bridge, with purchase plus rehab counting toward it. Most Jackson-metro deals clear it comfortably.
How do you handle Gulf Coast insurance costs on DSCR?
Wind and flood premiums go into the DSCR calculation up front, so your qualification is real — not a surprise at closing.
Do you fund student rentals in Oxford or Starkville?
Yes — on market or in-place rents, with the school-year cycle factored in.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

From the Blog

Investor Guides & Insights

Financing guides and deal breakdowns from our lending team. Browse every market we serve on our Where We Lend page.

Ready to close a deal in Mississippi?

Get a quote in 24 hours or call us right now.

Get a Quote Call (410) 855-4600
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Other states we lend in