DSCR Loans in Hancock County, Mississippi
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 64 lenders made 134 investment-property loans in Hancock County, 2.3% of Mississippi's total. Dominick Prevete arranges DSCR loans across Hancock County, Mississippi, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $235,000.
Hancock County investor market at a glance
| Statistic | Hancock County | Mississippi | County rank |
|---|---|---|---|
| Investor loans | 134 | 5,868 | 10th of 12 |
| Reporting lenders | 64 | 295 | 6th of 12 |
| Loan volume | $28.7M | $863.0M | 8th of 12 |
| Average loan | $214K | $147K | 3rd of 12 |
| Median loan | $165K | $115K | 4th of 12 |
| Purchases | 57.5% | 50.1% | 5th of 12 |
| Cash-out refinances | 12.7% | 7.9% | 2nd of 12 |
| 2–4 unit properties | 7.5% | 13.0% | 11th of 12 |
| Top five lenders' share | 30.6% | 34.2% | 12th of 12 |
| Reported business-purpose | 73.1% | 72.3% | 9th of 12 |
Hancock County: closed-end loans on 1–4 unit investment properties. Hancock County's rank is highest first, among Mississippi's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Hancock County's investor loans.
What stands out in Hancock County
The five most active lenders wrote 30.6% of Hancock County's investor loans, the lowest share of Mississippi's 12 counties with published data (statewide: 34.2%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
12.7% of Hancock County's investor loans were cash-out refinances, the 2nd-highest share of Mississippi's 12 counties with published data (statewide: 7.9%).
On the DSCR cash-out refinances Dominick arranges, cash-out can close with no seasoning.
7.5% of Hancock County's investor loans financed a 2–4 unit property, the 2nd-lowest share of Mississippi's 12 counties with published data (statewide: 13.0%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Hancock County?
At HUD's fair market rent of $1,525 for a 3-bedroom in Hancock County, Mississippi, a rental covers its full DSCR payment up to a purchase price of about $235,000, with 20% down at the 7.25% starting rate (November 2026). Hancock County's median home value is $224,200; at that price the payment is $1,449 a month, so the property would need $1,450 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,185 / $1,525 / $1,723 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $224,200 |
| Median property taxes and effective rate | $1,583 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,449 |
| Rent needed to cover that payment | $1,450 |
| Coverage of a 3-bedroom at fair market rent | 1.05 |
| Highest price a 3-bedroom at fair market rent covers | about $235,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Hancock County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Hancock County?
The most active investment-property lenders in Hancock County in 2025 HMDA data were Community Bank of Mississippi; UNITED SHORE FINANCIAL SERVICES, LLC; and BankPlus, out of 64 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders and matches each file to the one most likely to fund it.
Hancock County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 134 loans and $28.7M from 64 lenders. Community Bank of Mississippi led Hancock County with 14 loans, 10.4% of the county's total, and the average Hancock County loan of $214K compares with $147K across Mississippi.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community Bank of Mississippi | 14 | $3.0M | $211K | 42.9% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $1.4M | $178K | 50.0% |
| BankPlus | 8 | $1.3M | $164K | 12.5% |
| FNB Picayune Bank | 6 | $0.7M | $113K | 66.7% |
| KIND LENDING, LLC | 5 | $1.6M | $317K | 80.0% |
| KEESLER | 5 | $0.7M | $143K | 0.0% |
| Gulf Coast Bank and Trust Company | 4 | $1.8M | $460K | 100.0% |
| GMFS LLC | 4 | $1.1M | $263K | 100.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $0.6M | $148K | 75.0% |
| Reliable Holdings Manager dba Lendz Financial | 3 | $0.8M | $278K | 33.3% |
| HANCOCK WHITNEY BANK | 3 | $0.7M | $242K | 66.7% |
| FIDELITY BANK | 3 | $0.6M | $205K | 100.0% |
| THE PEOPLES BANK, BILOXI, MISSISSIPPI | 3 | $0.6M | $188K | 66.7% |
| CMG MORTGAGE, INC. | 3 | $0.5M | $165K | 66.7% |
| Magnolia Bank, Incorporated | 3 | $0.5M | $152K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 3 | $0.3M | $115K | 33.3% |
| Cadence Bank | 2 | $0.8M | $395K | 100.0% |
| MOVEMENT MORTGAGE, LLC | 2 | $0.7M | $335K | 50.0% |
| First Southern Bank | 2 | $0.6M | $285K | 0.0% |
| Rocket Mortgage, LLC | 2 | $0.2M | $90K | 0.0% |
| Renasant Bank | 2 | $0.2M | $85K | 0.0% |
| LENDINGONE, LLC | 2 | $0.2M | $85K | 50.0% |
| b1BANK | 2 | $0.1M | $25K | 0.0% |
| PriorityOne Bank | 1 | $0.9M | $895K | 100.0% |
| OnPath Federal Credit Union | 1 | $0.6M | $595K | 0.0% |
67 Mississippi loans (1.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Hancock County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Hancock County CSV, all 25 lenders
What Hancock County's table can't show you: fit. Short-term financing is exempt from HMDA, so Hancock County's fix-and-flip and bridge lenders barely appear among its 64 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Hancock County, Mississippi deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Hancock County, Mississippi property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Hancock County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 64 lenders and 134 loans: 2025 HMDA loan-level data rolled up to Hancock County.
- Hancock County investor-lender dataset (CSV) — All 25 lenders in the Hancock County, Mississippi table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Hancock County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Gulfport-Biloxi, MS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Hancock County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.