DSCR Loans in Lafayette County, Mississippi
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 96 lenders made 372 investment-property loans in Lafayette County, 6.3% of Mississippi's total. Dominick Prevete arranges DSCR loans across Lafayette 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.
Lafayette County investor market at a glance
| Statistic | Lafayette County | Mississippi | County rank |
|---|---|---|---|
| Investor loans | 372 | 5,868 | 4th of 12 |
| Reporting lenders | 96 | 295 | 1st of 12 |
| Loan volume | $115.5M | $863.0M | 1st of 12 |
| Average loan | $311K | $147K | 1st of 12 |
| Median loan | $305K | $115K | 1st of 12 |
| Purchases | 66.1% | 50.1% | 1st of 12 |
| Cash-out refinances | 5.6% | 7.9% | 10th of 12 |
| 2–4 unit properties | 8.1% | 13.0% | 10th of 12 |
| Top five lenders' share | 43.5% | 34.2% | 9th of 12 |
| Reported business-purpose | 66.7% | 72.3% | 10th of 12 |
Lafayette County: closed-end loans on 1–4 unit investment properties. Lafayette County's rank is highest first, among Mississippi's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lafayette County's investor loans.
What stands out in Lafayette County
The median investor loan in Lafayette County was $305K, the highest median of Mississippi's 12 counties with published data (statewide: $115K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
66.1% of Lafayette County's investor loans were purchases, the highest share of Mississippi's 12 counties with published data (statewide: 50.1%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
8.1% of Lafayette County's investor loans financed a 2–4 unit property, the 3rd-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 Lafayette County?
At HUD's fair market rent of $1,502 for a 3-bedroom in Lafayette 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). Lafayette County's median home value is $315,400; at that price the payment is $1,996 a month, so the property would need $2,000 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,255 / $1,502 / $1,649 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $315,400 |
| Median property taxes and effective rate | $1,719 (0.55% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,996 |
| Rent needed to cover that payment | $2,000 |
| Coverage of a 3-bedroom at fair market rent | 0.75 |
| 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 Lafayette County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lafayette County?
The most active investment-property lenders in Lafayette County in 2025 HMDA data were BankPlus, Renasant Bank and BankFirst Financial Services, out of 96 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.
Lafayette County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 372 loans and $115.5M from 96 lenders. BankPlus led Lafayette County with 47 loans, 12.6% of the county's total, and the average Lafayette County loan of $311K compares with $147K across Mississippi.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BankPlus | 47 | $14.8M | $314K | 72.3% |
| Renasant Bank | 43 | $13.4M | $312K | 62.8% |
| BankFirst Financial Services | 34 | $7.5M | $220K | 58.8% |
| Guaranty Bank and Trust Company | 19 | $6.4M | $337K | 78.9% |
| First Commercial Bank | 19 | $5.5M | $291K | 47.4% |
| LEI:529900YKD9FOL6BFSG98 | 14 | $2.8M | $202K | 50.0% |
| Raymond James Bank | 9 | $3.6M | $399K | 44.4% |
| Cadence Bank | 9 | $2.4M | $265K | 44.4% |
| RiverHills Bank | 8 | $3.4M | $425K | 75.0% |
| GUILD MORTGAGE COMPANY | 7 | $2.5M | $361K | 85.7% |
| First Security Bank, Batesville, Mississippi | 7 | $2.3M | $331K | 85.7% |
| Trustmark National Bank | 7 | $2.3M | $326K | 28.6% |
| Rocket Mortgage, LLC | 7 | $2.1M | $301K | 71.4% |
| The Citizens Bank of Philadelphia, Mississippi | 6 | $2.2M | $365K | 50.0% |
| Planters Bank & Trust Company | 6 | $1.8M | $293K | 66.7% |
| Broker Solutions, Inc. | 5 | $1.8M | $367K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $1.8M | $361K | 80.0% |
| Origin Bank | 5 | $1.7M | $339K | 80.0% |
| The Citizens National Bank of Meridian | 5 | $1.6M | $315K | 60.0% |
| Community Bank of Mississippi | 5 | $0.8M | $167K | 20.0% |
| GMFS LLC | 4 | $1.3M | $333K | 100.0% |
| Bank of Holly Springs | 4 | $1.3M | $315K | 50.0% |
| MOVEMENT MORTGAGE, LLC | 3 | $1.2M | $408K | 33.3% |
| DEEPHAVEN MORTGAGE LLC | 3 | $1.2M | $398K | 66.7% |
| Stifel Bank and Trust | 3 | $1.1M | $355K | 100.0% |
67 Mississippi loans (1.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lafayette County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lafayette County CSV, all 25 lenders
What Lafayette County's table can't show you: fit. Short-term financing is exempt from HMDA, so Lafayette County's fix-and-flip and bridge lenders barely appear among its 96 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 Lafayette County, Mississippi deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lafayette 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 — Lafayette County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 96 lenders and 372 loans: 2025 HMDA loan-level data rolled up to Lafayette County.
- Lafayette County investor-lender dataset (CSV) — All 25 lenders in the Lafayette County, Mississippi table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lafayette 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 Lafayette County, MS.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Lafayette 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.