Mississippi multifamily is concentrated across Jackson, Gulfport-Biloxi, Hattiesburg, and Tupelo. Jackson is the state capital and largest metro, anchored by state government, the University of Mississippi Medical Center, and the Canton vehicle assembly plant; Gulfport-Biloxi anchors the Mississippi Gulf Coast hospitality and gaming economy; Hattiesburg is anchored by the University of Southern Mississippi and Forrest General Hospital; Tupelo is anchored by the automotive assembly plant in nearby Blue Springs , supporting active institutional and regional-bank lender competition on stabilized agency executions and the broader value-add bridge pool. Jackson workforce-housing multifamily, Hattiesburg university-driven multifamily, and Gulfport-Biloxi coastal multifamily each have distinct lender pools and underwriting profiles.
Active capital sources
- Agency Lenders (Fannie/Freddie)
- Mississippi Regional Banks
- National Debt Funds
- Life Companies
Loan programs we place
- Acquisition Financing
- Value-Add Bridge Loans
- Agency Perm Refinance
- Construction-to-Perm
Source notes
- BLS QCEW, 2025
Frequently asked questions
What is the typical LTV for Jackson multifamily in the current market?
Stabilized agency executions typically clear 65% to 75% LTV on Class A and 70% to 80% on workforce / Class B . Jackson workforce-housing multifamily, Hattiesburg university-driven multifamily, and Gulfport-Biloxi coastal multifamily each have distinct lender pools and underwriting profiles Bridge debt funds will go higher on value-add product where the going-in basis supports the stabilized agency take-out.
Are Mississippi multifamily loans non-recourse?
Yes for institutional executions. Agency, CMBS, life-company, and most national debt-fund executions are non-recourse with standard bad-boy carve-outs. Smaller-balance regional bank loans and most construction and bridge loans typically carry partial recourse, particularly for newer sponsors or during construction and lease-up periods, with recourse burning off at defined stabilization milestones.
What is Mississippi's transfer tax structure for commercial multifamily?
Mississippi does not impose a state real estate transfer tax. Recording fees are nominal. The absence of a state transfer tax materially reduces closing costs versus most peer states.
What construction debt is available in Mississippi right now?
Multifamily construction is most active in the Jackson metro and the broader institutional submarkets where the going-in basis supports stabilized agency refi and the demand thesis is strongest. Required equity is typically in the 30% to 40% range with partial recourse during construction and lease-up burning off at stabilization. Hardened insurance markets have meaningfully tightened construction lender response on coastal and hail-exposed product.