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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

Hypothetical DSCR Illustration for Hattiesburg, MS

An illustration built from Hattiesburg'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)$150,000
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)$101
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$950
Taxes + insurance39% of rent
Left for P&I + HOA at a 1.0 DSCR61% of rent
Left for P&I + HOA at a 1.25 DSCR41% of rent
Test the payment from your quote in the DSCR calculator

Hypothetical illustration, no interest rate assumed. At Hattiesburg's median rent of $950/month, local property taxes (0.81% of the $150,000 median price) and insurance (about $3,200 a year) use roughly 39% of the rent. To reach a 1.0 DSCR, principal, interest and any HOA dues would have to fit within the remaining 61% of rent; a 1.25 DSCR leaves about 41%. Your actual ratio depends on the payment in your own quote, which you can test in our DSCR calculator.

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 gives the rent room to cover the full payment, while higher education employment keeps vacancies manageable at 6.9%. Both Downtown and Oak Grove offer investor-friendly fundamentals.

Tax + Ins. / Rent
39%
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?
There isn't one Hattiesburg requirement to quote. DSCR minimums are set by each investor program, not by the city: some programs want the rent to cover the full payment (1.0), some ask for more cushion, and select programs go below 1.0. Your loan officer matches the ratio your property produces to the programs that accept it.
Is 20% down enough for a DSCR loan on a Hattiesburg property?
It can be. Whether 20% down works for a Hattiesburg property depends on the program's maximum loan-to-value for your credit score, the property type, the loan purpose and the DSCR at that down payment. Some files qualify with less and some need more, so have your loan officer check the property before you offer.
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?
They can be. Airbnb and VRBO properties in Hattiesburg are eligible on programs that accept short-term rental income, using that program's method for counting it. Hattiesburg's permissive regulations make it relatively straightforward to operate vacation rentals.
What should I budget for property taxes in Hattiesburg, MS?
Start from Hattiesburg's average rate of about 0.81% of assessed value, then get the actual figure for your address from the county assessor, since assessed value can differ from your purchase price. The monthly share of that bill is part of the PITIA used in your DSCR.
What's driving rental demand in Hattiesburg?
Hattiesburg's rental demand is driven by Higher Education, Healthcare, Military. The growing population of 50K provides a deep tenant pool, while +3.2% annual rent growth reflects sustained demand. University of Southern Mississippi provides consistent student rental demand

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.

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