Save My DSCR Loan
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.

Get Pre-QualifiedCall Now
$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

Hypothetical DSCR Illustration for Biloxi, MS

An illustration built from Biloxi's market data, with no interest rate assumed. Taxes and insurance use local averages; principal and interest come from your own quote, so the figures below show how much of the median rent is left for that payment at common DSCR targets.

Loan Structure

Purchase Price (local median)$180,000
Down Payment20% of the price
Loan Amount80% of the price
Interest RateSet by your quote

Monthly Costs (PITIA)

Principal & InterestFrom your quoted rate
Property Tax (0.81% rate)$122
Insurance$267
Total PITIAP&I + taxes + insurance

What the Median Rent Has to Cover

Hypothetical illustration. DSCR = rent ÷ PITIA; no rate assumed.

Median Monthly Rent$1,100
Taxes + insurance35% of rent
Left for P&I + HOA at a 1.0 DSCR65% of rent
Left for P&I + HOA at a 1.25 DSCR45% of rent
Test the payment from your quote in the DSCR calculator

Hypothetical illustration, no interest rate assumed. At Biloxi's median rent of $1,100/month, local property taxes (0.81% of the $180,000 median price) and insurance (about $3,200 a year) use roughly 35% of the rent. To reach a 1.0 DSCR, principal, interest and any HOA dues would have to fit within the remaining 65% of rent; a 1.25 DSCR leaves about 45%. Your actual ratio depends on the payment in your own quote, which you can test in our DSCR calculator.

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 gives the rent room to cover the full payment, while gaming employment keeps vacancies manageable at 8.3%. Both Beach Boulevard and Ocean Springs offer investor-friendly fundamentals.

Tax + Ins. / Rent
35%
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?
You need a ratio that meets the minimum of the program your Biloxi loan is placed with. A 1.0 means the rent covers the full payment, and on many programs a larger cushion above the minimum also improves pricing. If the ratio comes in low, a larger down payment lowers the payment and raises the ratio, or a select sub-1.0 program may fit.
Can I buy a Biloxi rental property with less than 25% down?
Often, yes. Select programs allow less than 25% down on a Biloxi rental, down to 15% for stronger credit and DSCR profiles. A score near a program's floor, a ratio below 1.0, or a condo or short-term rental usually calls for more. Your loan officer confirms the maximum loan-to-value for your scenario.
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?
Biloxi's STR regulations are classified as "permissive." Short-term rentals are generally allowed with standard licensing. Programs only finance a short-term rental where that use is legally permitted, so confirm the address with the city first.
What's the property tax rate for Biloxi investment properties?
Biloxi applies a 0.81% average rate, typical for Mississippi. Investment property taxes are based on assessed value, which may differ from the purchase price, and owner-occupant exemptions generally do not apply to rentals. Request a tax estimate from the county assessor and build this expense into your DSCR projections.
How has rent growth trended in Biloxi?
Rent growth in Biloxi has trended at +3.5% annually, outpacing national averages. Programs qualify a loan on today's lease or market rent, so future growth helps your cash flow and a later refinance rather than today's DSCR. Coastal setting with year-round mild weather attracts retirees and tourists
How does seasonality affect Biloxi short-term rental income?
Biloxi's short-term rental market draws visitors through much of the year, though peak seasons see higher occupancy. Programs that count booking history look at a full period so slow months are included. Keep reserves for the off-season and build vacancy into your own projections.

Licensing for Mississippi

Cornerstone First Mortgage, LLC (NMLS #173855) — Mississippi Mortgage Lender License, No. 173855.

Check any license on NMLS Consumer Access, or see every state on our state license list. DSCR loans are business-purpose loans for investment property only.

Ready to Finance Your Biloxi Investment?

Get pre-qualified in 60 seconds. We'll show you what you can borrow on a Biloxi rental and walk you through the pricing for your scenario.

Get Pre-Qualified NowCalculate Your DSCR

More Mississippi Investment Markets

Jackson, MSGulfport, MSSouthaven, MSHattiesburg, MS
View all Mississippi DSCR loan info
Get Pre-Qualified