DSCR Loans in Rankin 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 358 investment-property loans in Rankin County, 6.1% of Mississippi's total. Dominick Prevete arranges DSCR loans across Rankin 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 $240,000.
Rankin County investor market at a glance
| Statistic | Rankin County | Mississippi | County rank |
|---|---|---|---|
| Investor loans | 358 | 5,868 | 5th of 12 |
| Reporting lenders | 64 | 295 | 6th of 12 |
| Loan volume | $58.7M | $863.0M | 5th of 12 |
| Average loan | $164K | $147K | 9th of 12 |
| Median loan | $145K | $115K | 6th of 12 |
| Purchases | 50.8% | 50.1% | 6th of 12 |
| Cash-out refinances | 8.7% | 7.9% | 5th of 12 |
| 2–4 unit properties | 5.0% | 13.0% | 12th of 12 |
| Top five lenders' share | 48.6% | 34.2% | 7th of 12 |
| Reported business-purpose | 74.6% | 72.3% | 7th of 12 |
Rankin County: closed-end loans on 1–4 unit investment properties. Rankin County's rank is highest first, among Mississippi's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Rankin County's investor loans.
What stands out in Rankin County
5.0% of Rankin County's investor loans financed a 2–4 unit property, the 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.
Rankin County's 358 investor loans ranked 5th of Mississippi's 12 counties with published data.
Does a DSCR loan pencil in Rankin County?
At HUD's fair market rent of $1,536 for a 3-bedroom in Rankin County, Mississippi, a rental covers its full DSCR payment up to a purchase price of about $240,000, with 20% down at the 7.25% starting rate (November 2026). Rankin County's median home value is $237,400; at that price the payment is $1,514 a month, so the property would need $1,525 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) | $1,289 / $1,536 / $1,694 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $237,400 |
| Median property taxes and effective rate | $1,428 (0.60% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,514 |
| Rent needed to cover that payment | $1,525 |
| Coverage of a 3-bedroom at fair market rent | 1.01 |
| Highest price a 3-bedroom at fair market rent covers | about $240,000 |
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 Rankin County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Rankin County?
The most active investment-property lenders in Rankin County in 2025 HMDA data were Community Bank of Mississippi, BankPlus and Cadence Bank, 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.
Rankin County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 358 loans and $58.7M from 64 lenders. Community Bank of Mississippi led Rankin County with 82 loans, 22.9% of the county's total, and the average Rankin County loan of $164K compares with $147K across Mississippi.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Community Bank of Mississippi | 82 | $11.4M | $139K | 40.2% |
| BankPlus | 38 | $6.4M | $169K | 57.9% |
| Cadence Bank | 18 | $3.1M | $172K | 66.7% |
| Trustmark National Bank | 18 | $2.6M | $147K | 44.4% |
| Copiah Bank | 18 | $2.3M | $127K | 66.7% |
| PriorityOne Bank | 17 | $2.5M | $145K | 47.1% |
| Bank of Yazoo City | 13 | $2.7M | $211K | 7.7% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 12 | $2.1M | $175K | 58.3% |
| Renasant Bank | 12 | $1.8M | $152K | 58.3% |
| BankFirst Financial Services | 8 | $1.6M | $198K | 75.0% |
| OCMBC, INC. | 8 | $1.3M | $161K | 0.0% |
| The Citizens National Bank of Meridian | 6 | $1.4M | $232K | 66.7% |
| Rocket Mortgage, LLC | 6 | $0.8M | $127K | 0.0% |
| The Bank of Forest | 5 | $1.4M | $271K | 80.0% |
| Emporium TPO LLC | 5 | $0.8M | $169K | 20.0% |
| Cornerstone First Mortgage, Inc | 5 | $0.7M | $149K | 40.0% |
| AMERICAN FINANCIAL NETWORK, INC. | 5 | $0.7M | $141K | 0.0% |
| Peoples Bank | 5 | $0.4M | $71K | 80.0% |
| DHI MORTGAGE COMPANY, LTD. | 4 | $0.9M | $223K | 100.0% |
| The Citizens Bank of Philadelphia, Mississippi | 4 | $0.8M | $213K | 25.0% |
| Merchants and Planters Bank | 4 | $0.7M | $185K | 25.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $0.7M | $180K | 100.0% |
| BPL MORTGAGE TRUST, LLC | 4 | $0.5M | $123K | 25.0% |
| First Commercial Bank | 3 | $0.5M | $165K | 33.3% |
| UNION HOME MORTGAGE CORP. | 3 | $0.5M | $162K | 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 Rankin County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Rankin County CSV, all 25 lenders
What Rankin County's table can't show you: fit. Short-term financing is exempt from HMDA, so Rankin 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 Rankin County, Mississippi deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Rankin 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 — Rankin County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 64 lenders and 358 loans: 2025 HMDA loan-level data rolled up to Rankin County.
- Rankin County investor-lender dataset (CSV) — All 25 lenders in the Rankin County, Mississippi table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Rankin 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 Jackson, MS HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Rankin 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.