Hard Money Lenders Mississippi
Fast, reliable financing for real estate investors in Mississippi. Loans for fix & flip, DSCR rentals, spec home construction, commercial, and asset-based deals.
- ✅ DSCR Loans – 1–4 unit residential rentals, 660+ credit score, $75k–$1M
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab financing
- ✅ Spec Home Construction – Ground-up residential builds, up to 85% LTC
- ✅ Asset-Based Loans – Residential & commercial properties, 50% LTV max
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use properties
- ✅ Close in as little as 7–20 Days
Serving key Mississippi cities including Jackson, Gulfport, Southaven, Hattiesburg, Biloxi, Meridian, Tupelo, Olive Branch, Greenville, and Horn Lake.
Mississippi presents unique opportunities for real estate investors, from single-family flips to rental properties and ground-up construction. Hard money loans in Mississippi offer fast closings, minimal red tape, and flexible programs that focus on the property’s value and potential rather than lengthy bank approvals. Investors can secure funding for 1–4 unit residential projects, multi-unit rental buildings, commercial properties, and speculative home construction with confidence, knowing their deals can close in as little as 7–20 days.
At HardMoneyMan.com LLC, we’ve funded thousands of loans nationwide since 1998, giving Mississippi investors the tools to grow their portfolios efficiently. Our programs include fix & flip loans, DSCR rental financing, asset-based hard money, spec home construction loans, and commercial real estate lending. With a focus on speed, transparency, and investor success, we help clients in Jackson, Gulfport, Southaven, Hattiesburg, Biloxi, Meridian, Tupelo, Olive Branch, Greenville, Horn Lake, and across the state access the capital they need for profitable real estate ventures.
We Lend in:
Jackson, Gulfport, South Haven, Hattiesburg, Biloxi, Meridian, Tupelo, Olive Branch, Greenville, Horn Lake and all cities in Mississsippi
Looking for no credit check hard money in Jackson MS? Click here to learn how we fund equity-driven deals with no income docs or credit score requirements.
Investment Loan Programs in Mississippi
Mississippi Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Terms Based on Credit & Flip Experience
Mississippi Spec Home Construction Loans
Finance speculative home builds with fast approvals and flexible draw schedules for residential developers.
- 1–4 Unit Residential Projects
- Up to 85% Loan-to-Cost
- Interest-Only During Build
Mississippi 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in as little as 14 Days
Mississippi Asset-Based Hard Money Loans
Loans secured by property assets for residential and commercial investors needing fast, flexible financing.
- 1–4 Unit Residential
- 5+ Unit Residential
- Commercial: Retail, Office, Warehouse, Mixed-Use
- 50% Loan-to-Value Maximum
- Close in as little as 2 Weeks
- No Rural Properties
Mississippi Commercial Hard Money Loans
Financing for commercial real estate investors across Mississippi, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Why Mississippi Investors Choose HardMoneyMan.com
Mississippi offers strong investment opportunities — from affordable entry prices to high rental demand — but you need a lender who understands the local market and closes fast.
What Makes Us Different
- We lend our own money — no brokers or middlemen.
- Fast approvals — preliminary approval in 24 hours.
- True asset-based lending — deals qualify on equity & DSCR.
- Local experience — 26+ years lending in Mississippi.
- Investor-friendly terms designed for rehabbers and landlords.
- Statewide coverage — we lend in every Mississippi market.
Get Pre-Approved for a Mississippi Hard Money Loan
Whether you’re flipping, refinancing, or building, we can structure a loan that fits your investment strategy.
Phone: 516-526-8445
Apply Online: Fast, simple application
Approval: Same-day available
Frequently Asked Questions – Hard Money Lenders Mississippi
How fast can hard money lenders close in Mississippi?
Most Mississippi hard money loans close in as little as 7–20 days, depending on the program and documentation provided. Fix & flip and asset-based loans typically fund the fastest.
Do I need income documentation to qualify?
No. Many of our programs, including asset-based and DSCR rental loans, qualify based on property value and cash flow rather than personal income verification.
What credit score is required for DSCR loans in Mississippi?
DSCR rental loans generally require a 660+ mid credit score and are available for 1–4 unit residential rental properties.
How much can I borrow for a Mississippi fix & flip?
We offer up to 90% of the purchase price and up to 100% of renovation costs, based on the deal strength and borrower experience.
Do you lend statewide in Mississippi?
Yes. We fund investment properties throughout Mississippi, including Jackson, Gulfport, Southaven, Hattiesburg, Biloxi, Meridian, Tupelo, Olive Branch, Greenville, and Horn Lake.
Are commercial properties eligible for hard money financing?
Yes. We provide commercial hard money loans for office, retail, mixed-use, warehouse, and multifamily properties across Mississippi.
Can I finance ground-up construction in Mississippi?
Yes. Our spec home construction loans finance 1–4 unit residential builds with up to 85% loan-to-cost and structured draw schedules during construction.