© WHERE WE LEND SAN DIEGO HQ · MISSISSIPPI
HARD MONEY LENDER MISSISSIPPI
Private money for Mississippi investors buying in Jackson, Gulfport, Hattiesburg and the coast towns between them.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Loan Goat lends across Mississippi, in Jackson, Gulfport, Southaven, Hattiesburg and Biloxi. The borrower we serve is an operator: someone buying a distressed house to resell, holding rentals for cash flow, or putting up new stock on a lot that has sat empty. Nine programs cover it, from bridge and fix and flip to construction, DSCR rental, commercial and blanket. Direct capital, minimal paperwork, no prepayment penalty on the back end.
Mississippi is not one market. The Jackson metro is the government and medical center, with Hinds County housing that runs from stately old neighborhoods to blocks that need real rehab. The Gulf Coast in Harrison County lives on tourism, the port and the bases, and it rebuilds constantly. DeSoto County up north is a Memphis suburb full of newer subdivisions. Hattiesburg sits between them, a college town with steady renter demand.
We lend in Mississippi and our office is in San Diego. You will never need to drive to it. Loan Goat is a direct lender using in-house capital, which means one person reads your deal and one person says yes. No branch manager, no committee, no broker in the middle marking up your rate. Send the address and the plan, and you can have terms the same day and funding inside a week.
Investors here buy brick ranch houses and raised cottages in the Jackson suburbs, historic frame homes in Belhaven and Fondren that reward a careful cosmetic rehab, and coastal stock in Biloxi and Gulfport rebuilt after the storms. Keesler Air Force Base and the casino floors keep coastal rental demand running year-round. Southaven draws Memphis commuters into DeSoto County new build. Hattiesburg leans on the University of Southern Mississippi for student and staff tenants.
© MISSISSIPPI LOCATIONS SAN DIEGO HQ · MISSISSIPPI
EXPLORE OUR MISSISSIPPI LENDING LOCATIONS
Each page is written for its market: costs, scenarios, programs, property types, reviews and the questions borrowers ask there.
- Jackson Hinds County, out to Hattiesburg, Gulfport, Biloxi.
- Gulfport Harrison County, out to Biloxi, Hattiesburg, New Orleans.
- Southaven DeSoto County, out to Memphis, Jonesboro, Jackson.
- Hattiesburg Forrest County, out to Gulfport, Biloxi, Jackson.
- Biloxi Harrison County, out to Gulfport, Hattiesburg, Mobile.
© THE COST SAN DIEGO HQ · MISSISSIPPI
WHAT DO MISSISSIPPI HARD MONEY LOANS COST
There is no separate Mississippi rate sheet. Bridge opens at 9.00%, terms run one or two years, and a minimum 650 credit score applies. What moves the number is the property, the leverage and how the loan gets paid back.
Terms are written before an appraisal is ordered, which lets a Mississippi investor underwrite the lender before spending money on third-party reports. Nothing is re-traded at the table.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
© WHY LOAN GOAT SAN DIEGO HQ · MISSISSIPPI
WHY LOAN GOAT IN MISSISSIPPI
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Bank underwriting wants seasoning, tax returns and a reason to say no. We want the property to make sense. Bridge financing from 9.00%, up to 75% LTV, funds the Hinds County distressed buy a conventional lender will not touch. Fix and flip covers acquisition plus the rehab draw. Construction loans build the infill house. We underwrite the collateral, not your credit story, and we never charge you for paying us off early.
Speed decides coastal deals. A Harrison County listing priced to move does not sit while an underwriter reads your business return. We close in five to seven days, three on a clean file, and our bridge loans run from $150,000 up to $25,000,000. DSCR rental loans qualify a Gulfport duplex on its rents. Second and third mortgages let you pull cash out of a property you already own.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
MISSISSIPPI, FUNDED FROM SAN DIEGO.
$1.5B+ funded across 46 states and 1.3K+ loans closed since 2022. Mississippi files run on the same written terms, the same in-house capital and the same five to seven day timeline as the home markets.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN MISSISSIPPI
Nine programs run in Mississippi. Bridge loans for acquisition and recapitalization, fix and flip for the work, construction for ground-up, rental property loans for the hold, commercial for anything with a rent roll, owner occupied under its own rules, bank financing where a conventional exit fits, second and third mortgages behind existing debt, and blanket loans across a portfolio.
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© THE APPROACH SAN DIEGO HQ · MISSISSIPPI
HOW WE LEND IN MISSISSIPPI
Speed decides coastal deals. A Harrison County listing priced to move does not sit while an underwriter reads your business return. We close in five to seven days, three on a clean file, and our bridge loans run from $150,000 up to $25,000,000. DSCR rental loans qualify a Gulfport duplex on its rents. Second and third mortgages let you pull cash out of a property you already own.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
MISSISSIPPI BORROWERS, IN THEIR WORDS
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Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
The Loan GOAT saved the day! A deal started to go south with a traditional bank despite there being no true issue. Milad having a true understanding of how to get help we are clear to close in 15 business days. Maricruz was the star in this,...
ALEXIS REYES
© QUESTIONS SAN DIEGO HQ · MISSISSIPPI
MISSISSIPPI HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes, every Mississippi market is open to us, with Jackson, Gulfport, Biloxi, Southaven and Hattiesburg all covered. Loan Goat is veteran-owned, funds business-purpose deals from its own balance sheet, and has put more than $1.5B to work across 46 states. There is no branch to visit and no need for one. The file runs by phone, email and a title company near your property.
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Yes, coastal rentals in Harrison County are standard collateral. Short-term and long-term rentals both work for us. A tired property usually starts on a bridge or fix and flip loan while it is being repaired, then converts to DSCR rental financing once it is leased or booked. Property condition and insurability matter far more to us than your personal income documents.
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Yes, we lend in Southaven and across DeSoto County as part of the greater Memphis trade area. Flips there tend to be newer subdivision houses needing cosmetic work rather than structural rebuilds, which is exactly the profile fix and flip financing was built for. Send the purchase price, the scope and your resale comps, and we size the loan around the after-repair value.
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The property address, the purchase price, the rehab budget if there is one, and your exit. That is the short list. Documentation stays minimal because we underwrite the property, not the borrower. Student rentals near the University of Southern Mississippi, a small multifamily near campus, or a straight flip all get sized the same way. Call (619) 617-2797 and we will run it on the phone.
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The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs
© WHERE WE LEND SAN DIEGO HQ · MISSISSIPPI
MISSISSIPPI, FUNDED FROM SAN DIEGO.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE SAN DIEGO HQ · MISSISSIPPI
SUBMIT A LOAN REQUEST
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(619) 617-2797
