PRIVATE MONEY LOANS · Mississippi (MS) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Mississippi Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Mississippi Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 Business Days close). In Mississippi (MS), lenders underwrite to a Non-Judicial (Deed of Trust Power of Sale) statutory framework (45–70 days-day average timeline), a 0.78% average property tax rate (~$146/mo at the $225,000 state median), and $760/$100K hazard insurance (~$143/mo).

Max Leverage / LTC

Up to 80% LTV / 85% LTC

Min FICO: Flexible Credit / Equity-Driven

2026 Rate Band

8.99% – 11.25% Interest-Only

6 to 36 Months Interest-Only

MS Security Instrument

Non-Judicial (Deed of Trust Power of Sale)

45–70 days days avg timeline

MS Avg Tax & Ins

0.78% Tax

$760/$100K Hazard Ins