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Biloxi, MS DSCR LoansHybrid Market

DSCR Loans in Biloxi, MS

Finance investment properties in Biloxi with a DSCR loan. Qualify based on rental income, not tax returns. Median rent at $1,100/mo with +3.5% annual growth.

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$1,100/mo
Median Rent
$180K
Median Home Price
+3.5%
Rent Growth (YoY)
45K
Metro Population

Market data updated 2026-01-30

Biloxi Market Snapshot

Why Invest in Biloxi?

  • Casino industry and beach tourism create strong STR and employment demand
  • Keesler Air Force Base is one of the largest military training centers
  • Coastal setting with year-round mild weather attracts retirees and tourists

Key Economic Drivers

GamingTourismMilitaryHealthcare
Median Rent
$1,100/mo
Rent Growth
+3.5%

Property Types We Finance

Single FamilyShort-Term RentalsCondos2-4 Units

Popular Investment Areas

Beach BoulevardOcean SpringsD'IbervilleWest Biloxi

Metro Population

45K

Biloxi metro area — a strong tenant pool for rental property investors.

DSCR Analysis

Example DSCR Calculation for Biloxi, MS

Here's how a typical DSCR loan works using Biloxi's actual market data.

Loan Structure

Purchase Price$180,000
Down Payment (20%)$36,000
Loan Amount$144,000
Interest Rate7.5%

Monthly Costs (PITIA)

Principal & Interest$1,007
Property Tax (0.81% rate)$122
Insurance$267
Total PITIA$1,396

DSCR Result

Monthly Rent
$1,100
÷
Monthly PITIA
$1,396
=
DSCR Ratio
0.79

Based on Biloxi's median home price of $180,000 and median rent of $1,100/month, a typical DSCR investment produces a DSCR ratio below 1.0, meaning monthly rent doesn't fully cover expenses. Lenders allow ratios as low as 0.75 but may require a larger down payment or higher reserves. With a 20% down payment of $36,000, the monthly PITIA (principal, interest, taxes, insurance) comes to $1,396. The local property tax rate of 0.81% and annual insurance cost of $3,200 are factored into this calculation.

Estimated Cap Rate
4.2%
Biloxi's estimated cap rate is 4.16%, indicating a appreciation-focused market where price growth drives returns.
Market Comparison

Biloxi vs. Mississippi Average

How Biloxi's rental market compares to the Mississippi statewide average.

Median Rent
$1,100/mo
↑ 10% above state avg
Median Home Price
$180K
↑ 12.5% above state avg

Biloxi's median rent of $1,100/month is 10% above the Mississippi state average of $1,000/month. Home prices at $180,000 are 12.5% above the state average of $160,000.

Investment Strategy

Biloxi Investment Strategy: Hybrid

For smaller-market investors, Biloxi offers a solid hybrid opportunity. The 7.33% rent-to-price ratio from $1,100/mo rents ensures positive DSCR, while gaming employment keeps vacancies manageable at 8.3%. Both Beach Boulevard and Ocean Springs offer investor-friendly fundamentals.

DSCR Ratio
0.79
Cap Rate
4.2%
Vacancy Rate
8.3%
Tax Rate
0.81%
FAQ

DSCR Loan Questions for Biloxi

What DSCR ratio do I need to qualify for an investment property loan in Biloxi, MS?
Biloxi properties at median price points typically achieve DSCR ratios around 1.05 to 1.20, meeting standard lender requirements. The Gaming sector and strong tenant demand support consistent rental performance.
Can I buy a Biloxi rental property with less than 25% down?
DSCR loans in Biloxi typically require 20-25% down payment. Based on the median home price of $180K, investors should plan for approximately $36,000-$45,000 down, plus closing costs and reserves.
What areas of Biloxi are best for DSCR loan investors?
The best Biloxi neighborhoods for investors depend on your strategy. Beach Boulevard appeals to value-add investors, while Ocean Springs offers different opportunities. Consider the Gaming employment base when selecting locations.
What are the STR regulations for DSCR loan investors in Biloxi?
DSCR lenders evaluate Biloxi short-term rentals using either actual STR history (12+ months preferred) or projected income from third-party data providers. The tourism-driven economy supports strong vacation rental performance, but lenders typically require 75-80% of projected income for conservative underwriting.
What's the property tax rate for Biloxi investment properties?
Biloxi property taxes at 0.81% are applied to above-average property values, increasing total tax burden. For DSCR investors, this means strong rents typically cover tax expenses.
How has rent growth trended in Biloxi?
Biloxi remains attractive for real estate investors in 2026 due to casino industry and beach tourism create strong str and employment demand. With +3.5% rent growth and 8.3% vacancy, fundamentals remain solid. Keesler Air Force Base is one of the largest military training centers
How does seasonality affect Biloxi short-term rental income?
Biloxi's short-term rental market benefits from year-round tourism, though peak seasons see higher occupancy. DSCR lenders typically annualize income to smooth seasonality. Investors should maintain reserves for slower periods and factor vacancy into projections.

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