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Hattiesburg, MS DSCR LoansHybrid Market

DSCR Loans in Hattiesburg, MS

Finance investment properties in Hattiesburg with a DSCR loan. Qualify based on rental income, not tax returns. Median rent at $950/mo with +3.2% annual growth.

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$950/mo
Median Rent
$150K
Median Home Price
+3.2%
Rent Growth (YoY)
50K
Metro Population

Market data updated 2026-01-30

Hattiesburg Market Snapshot

Why Invest in Hattiesburg?

  • University of Southern Mississippi provides consistent student rental demand
  • Regional medical center and Camp Shelby military base support employment
  • Affordable market with potential for strong cash flow returns

Key Economic Drivers

Higher EducationHealthcareMilitaryManufacturing
Median Rent
$950/mo
Rent Growth
+3.2%

Property Types We Finance

Single Family2-4 UnitsMulti-Family

Popular Investment Areas

DowntownOak GrovePetalUniversity Area

Metro Population

50K

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

DSCR Analysis

Example DSCR Calculation for Hattiesburg, MS

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

Loan Structure

Purchase Price$150,000
Down Payment (20%)$30,000
Loan Amount$120,000
Interest Rate7.5%

Monthly Costs (PITIA)

Principal & Interest$839
Property Tax (0.81% rate)$101
Insurance$267
Total PITIA$1,207

DSCR Result

Monthly Rent
$950
÷
Monthly PITIA
$1,207
=
DSCR Ratio
0.79

Based on Hattiesburg's median home price of $150,000 and median rent of $950/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 $30,000, the monthly PITIA (principal, interest, taxes, insurance) comes to $1,207. The local property tax rate of 0.81% and annual insurance cost of $3,200 are factored into this calculation.

Estimated Cap Rate
4.4%
Hattiesburg's estimated cap rate is 4.42%, indicating a appreciation-focused market where price growth drives returns.
Market Comparison

Hattiesburg vs. Mississippi Average

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

Median Rent
$950/mo
↓ 5% below state avg
Median Home Price
$150K
↓ 6.3% below state avg

Hattiesburg's median rent of $950/month is 5% below the Mississippi state average of $1,000/month. Home prices at $150,000 are 6.3% below the state average of $160,000.

Investment Strategy

Hattiesburg Investment Strategy: Hybrid

For smaller-market investors, Hattiesburg offers a solid hybrid opportunity. The 7.60% rent-to-price ratio from $950/mo rents ensures positive DSCR, while higher education employment keeps vacancies manageable at 6.9%. Both Downtown and Oak Grove offer investor-friendly fundamentals.

DSCR Ratio
0.79
Cap Rate
4.4%
Vacancy Rate
6.9%
Tax Rate
0.81%
FAQ

DSCR Loan Questions for Hattiesburg

What's the typical DSCR requirement for Hattiesburg investment properties?
The DSCR is calculated by dividing monthly rental income by PITIA (Principal, Interest, Taxes, Insurance, Association fees). In Hattiesburg, with a 0.81% tax rate adding roughly $101/month to expenses, investors should target properties where rents exceed total monthly costs by at least 10-25%.
Is 20% down enough for a DSCR loan on a Hattiesburg property?
Total cash needed for a Hattiesburg investment property includes down payment (typically 20-25%), closing costs (2-4%), and reserves (6 months PITIA). For a median-priced property at $150K, plan for approximately $42,000 total cash to close and maintain required reserves.
What are the best neighborhoods for investment in Hattiesburg?
Investor-friendly areas in Hattiesburg include Downtown, Oak Grove, Petal, University Area. The permissive STR regulations make short-term rentals viable in most areas.
Are Airbnb properties eligible for DSCR loans in Hattiesburg?
Yes, DSCR loans can finance Hattiesburg Airbnb properties. Key requirements: valid STR permit/license, 20-25% down, proof of rental projections, and typically 9-12 months reserves. Consider whether STR or long-term rental better suits your investment goals.
What should I budget for property taxes in Hattiesburg, MS?
Property tax rates in Hattiesburg, Mississippi average approximately 0.81% of assessed value. For a property at the median price of $150K, this translates to roughly $101/month in property taxes, which is factored into DSCR calculations.
What's driving rental demand in Hattiesburg?
Hattiesburg's vacancy rate of 6.9% is in line with national averages. This balanced market allows for steady tenant turnover without extended vacancies.

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