Mississippi's Trusted Hard Money Lender for Real Estate Investors

Mississippi has some of the lowest home prices in the country, which gives investors room to buy, renovate, and rent at strong margins. Growth is clearest in DeSoto County outside Memphis, along the Gulf Coast, in the Jackson suburbs, and in college towns like Oxford and Starkville.

Unitas Funding provides Mississippi investors with fix-and-flip, new construction, bridge, and DSCR rental loans. Magnolia State investors can access up to 92.5% loan-to-cost and rates starting at 8.99% from a lender that has funded $4.5 billion.

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Fast, Reliable Capital for Your Next Mississippi Deal

Low acquisition costs mean more of your budget can go into the renovation. Unitas pre-approves in 24 hours and closes most loans in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Older homes in Jackson's Belhaven and Fondren neighborhoods, and dated ranches in Hattiesburg and Gulfport, are steady renovation candidates. Unitas funds purchase and rehab together.

 

 

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New Construction Loans

New Construction Loans

Southaven, Olive Branch, Madison, and Oxford continue to add new homes. Our construction loans fund the full build, with draws released in 24–48 hours.

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Bridge Loans

Bridge Loans

Need to buy a Mississippi property before your current deal closes? A Unitas bridge loan covers the gap with 12-, 18-, or 24-month interest-only terms.

 

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DSCR Loans

DSCR Loans for Rental Properties

The University of Mississippi, Mississippi State, Keesler Air Force Base, and Gulf Coast shipbuilding support rental demand. Our DSCR loans qualify on the property's rental income.

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What Makes Unitas Different in Mississippi

  1. One Lender Statewide
    From DeSoto County to the Gulf Coast, Mississippi investors work with one Unitas team that decides in-house.

  2. Value-Market Know-How
    We understand how Mississippi's low prices and steady rents affect a deal, and we set loan terms around realistic numbers.
  3. Fast Draws
    Draws funded in 24–48 hours keep Mississippi projects moving through the long building season.

  4. Capital You Can Count On
    $4.5 billion funded means Unitas is ready when your Mississippi deal needs to close.

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Get Pre-Approved in 24 Hours
Ready to move on a Mississippi deal? Send us the details and get a pre-approval within 24 hours.

Frequently Asked Questions

How quickly can Unitas close a loan in Mississippi?

Most Mississippi loans close within 10 business days of a complete application.

Does Unitas lend in DeSoto County near Memphis?

Yes. We fund projects in Southaven, Olive Branch, Horn Lake, and the rest of DeSoto County.

 

What leverage does Unitas offer in Mississippi?

Qualified investors can finance up to 92.5% of total project cost.

Can I use a DSCR loan for a Mississippi rental?

Yes. Our DSCR loans qualify the property on its rental income, not your personal income.

Which Mississippi cities does Unitas serve?

We lend statewide. We have a dedicated page for Jackson, and we also fund deals in Gulfport, Biloxi, Hattiesburg, Southaven, Oxford, Starkville, and Tupelo.

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Ready to Fund Your Next Mississippi Real Estate Investment?

Unitas Funding gives Mississippi investors fast, dependable capital in one of the country's most affordable housing markets. From Jackson renovations to new homes in DeSoto County, we fund projects across the state. Contact us today to discuss your next Mississippi investment.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.