DSCR Loans in Oktibbeha County, Mississippi
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 38 lenders made 124 investment-property loans in Oktibbeha County, 2.1% of Mississippi's total. Dominick Prevete arranges DSCR loans across Oktibbeha 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 $205,000.
Oktibbeha County investor market at a glance
| Statistic | Oktibbeha County | Mississippi | County rank |
|---|---|---|---|
| Investor loans | 124 | 5,868 | 11th of 12 |
| Reporting lenders | 38 | 295 | 9th of 12 |
| Loan volume | $24.2M | $863.0M | 10th of 12 |
| Average loan | $195K | $147K | 5th of 12 |
| Median loan | $160K | $115K | 5th of 12 |
| Purchases | 58.1% | 50.1% | 4th of 12 |
| Cash-out refinances | 7.3% | 7.9% | 7th of 12 |
| 2–4 unit properties | 10.5% | 13.0% | 7th of 12 |
| Top five lenders' share | 51.6% | 34.2% | 3rd of 12 |
| Reported business-purpose | 76.6% | 72.3% | 5th of 12 |
Oktibbeha County: closed-end loans on 1–4 unit investment properties. Oktibbeha County's rank is highest first, among Mississippi's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Oktibbeha County's investor loans.
What stands out in Oktibbeha County
The five most active lenders wrote 51.6% of Oktibbeha County's investor loans, the 3rd-highest share of Mississippi's 12 counties with published data (statewide: 34.2%).
Five lenders write 51.6% of the loans here, so comparing written term sheets matters more.
Oktibbeha County's 124 investor loans ranked 11th of Mississippi's 12 counties with published data.
Does a DSCR loan pencil in Oktibbeha County?
At HUD's fair market rent of $1,341 for a 3-bedroom in Oktibbeha County, Mississippi, a rental covers its full DSCR payment up to a purchase price of about $205,000, with 20% down at the 7.25% starting rate (November 2026). Oktibbeha County's median home value is $237,700; at that price the payment is $1,537 a month, so the property would need $1,550 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) | $1,024 / $1,341 / $1,346 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $237,700 |
| Median property taxes and effective rate | $1,691 (0.71% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,537 |
| Rent needed to cover that payment | $1,550 |
| Coverage of a 3-bedroom at fair market rent | 0.87 |
| Highest price a 3-bedroom at fair market rent covers | about $205,000 |
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 Oktibbeha County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Oktibbeha County?
The most active investment-property lenders in Oktibbeha County in 2025 HMDA data were Cadence Bank, BankFirst Financial Services and BankPlus, out of 38 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, including two that reported in Oktibbeha County, and matches each file to the one most likely to fund it.
Oktibbeha County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 124 loans and $24.2M from 38 lenders. Cadence Bank led Oktibbeha County with 18 loans, 14.5% of the county's total, and the average Oktibbeha County loan of $195K compares with $147K across Mississippi.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Cadence Bank | 18 | $3.7M | $207K | 83.3% |
| BankFirst Financial Services | 18 | $2.4M | $132K | 50.0% |
| BankPlus | 12 | $2.9M | $242K | 50.0% |
| LEI:529900YKD9FOL6BFSG98 | 9 | $0.7M | $74K | 11.1% |
| Guaranty Bank and Trust Company | 7 | $1.6M | $231K | 100.0% |
| Community Bank of Mississippi | 7 | $1.5M | $209K | 14.3% |
| Renasant Bank | 7 | $1.2M | $175K | 14.3% |
| CHAMPIONS FUNDING, LLC | 5 | $1.2M | $231K | 0.0% |
| The Citizens Bank of Philadelphia, Mississippi | 3 | $0.7M | $218K | 66.7% |
| West Alabama Bank & Trust | 3 | $0.3M | $115K | 100.0% |
| HANCOCK WHITNEY BANK | 2 | $1.3M | $630K | 100.0% |
| First Bank | 2 | $0.7M | $370K | 100.0% |
| PREMIER MORTGAGE RESOURCES, L.L.C. | 2 | $0.4M | $180K | 100.0% |
| Regions Bank | 2 | $0.3M | $165K | 100.0% |
| Origin Bank | 2 | $0.3M | $160K | 0.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.3M | $155K | 0.0% |
| Trustmark National Bank | 2 | $0.3M | $125K | 0.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 1 | $0.5M | $475K | 100.0% |
| Citizens Bank & Trust Company | 1 | $0.5M | $455K | 100.0% |
| JPMorgan Chase Bank, National Association | 1 | $0.4M | $425K | 100.0% |
| PENNYMAC LOAN SERVICES, LLC | 1 | $0.4M | $385K | 100.0% |
| Planters Bank & Trust Company | 1 | $0.3M | $305K | 100.0% |
| UNION HOME MORTGAGE CORP. | 1 | $0.3M | $295K | 100.0% |
| First United Bank and Trust Company | 1 | $0.2M | $235K | 100.0% |
| MORTGAGE INVESTORS GROUP, INC. | 1 | $0.2M | $225K | 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 Oktibbeha County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Oktibbeha County CSV, all 25 lenders
What Oktibbeha County's table can't show you: fit. Short-term financing is exempt from HMDA, so Oktibbeha County's fix-and-flip and bridge lenders barely appear among its 38 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 — including some on this list — 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 Oktibbeha County, Mississippi deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Oktibbeha 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 — Oktibbeha County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 38 lenders and 124 loans: 2025 HMDA loan-level data rolled up to Oktibbeha County.
- Oktibbeha County investor-lender dataset (CSV) — All 25 lenders in the Oktibbeha County, Mississippi table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Oktibbeha 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 Oktibbeha County, MS.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Oktibbeha 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.