Broker, not a lenderHard Money Lenders inJackson, Mississippi
Fix and flip, DSCR rental and new construction financing for Jackson investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Jackson deal right now
Prefilled with a realistic Jackson deal. Change any number and it reprices instantly on the lanes licensed in Mississippi, using the same engine behind our term sheets.
Financing a deal in Jackson
Jackson is two markets sharing one name. Citywide, the typical sale is cheap, and a lot of that inventory is too thin on resale to carry a flip loan. The flip work that pencils clusters in the older northside neighborhoods, Fondren, Belhaven and Eastover, where 1920s to 1950s cottages, Tudors and brick ranches sit near the medical district, Millsaps and Belhaven University.
What decides a Jackson deal is the street, and a hard look at who the buyer is. Many buyers who work downtown or at the University of Mississippi Medical Center have chosen to live in Madison or Rankin County instead, so a northside flip has to win over someone who could buy a newer house in Ridgeland or Brandon. Houses with character, a walkable block and real updates still do that. A flip outside the northside pocket usually lands below what a loan needs, so we look hard at the exit before anything else.
What a Jackson deal looks like on paper
Jackson example: $150,000 purchase, $55,000 rehab, $295,000 after repair value, 730 credit, first flip. The engine puts that borrower on the First Flip, 10% Down program at 9.99%. Picture a 1940s brick cottage in Fondren with plaster walls, a tired galvanized supply line, a pier and beam floor that dips in the hall and a kitchen from the 1970s. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (10% of purchase plus rehab)You$20,500
- Origination (2.13%)Lender$3,921
- Lender fees (flat)Lender$2,790
- Broker fee (1%)Broker$2,000
- Title and closing (estimate at Texas rates)Title$3,247
- Prepaid interest (15 days)Lender$757
- Property insuranceInsurer$1,948
- AppraisalAppraiser$550
Interest while you rehab: $1,078 a month on the $129,500 funded at closing, $1,536 once every draw is out. Proof of funds is cash to close plus $14,850 of rehab reserve and $9,216 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Jackson
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| First Flip, 10% Down1 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips2 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 5+ Flips3 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips4 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
- Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
Where Jackson prices sit right now
Before we price a Jackson flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.
Redfin puts the Jackson median sale price at $132K for the three months ending September 2026, down 9.23% on a year earlier, with homes selling in around 52 days. Zillow’s average home value for the city is $83,517, up 0.7%. In 39216, which covers Fondren, Redfin’s median is $320K, up 44.4% on a small number of sales, and in Belhaven’s 39202 it is $204K, up 4.7%.
| Median sale price, Jackson (Redfin) | $132K |
| Days on market, Jackson (Redfin) | 52 |
| Average home value, Jackson (Zillow) | $83,517 |
| 39216 Fondren median sale (Redfin) | $320K |
| 39202 Belhaven median sale (Redfin) | $204K |
Sources: Redfin, Jackson housing market · Zillow, Jackson home values · Redfin, 39216 housing market · Redfin, 39202 housing market
How a Jackson file actually gets priced
With the citywide median this low, the appraiser has to stay inside the neighborhood, and we do too. In Fondren and Belhaven that means renovated sales from the same few blocks, matched on age, lot and square footage; in Eastover it means the larger lots and brick homes nearby. Sales volume in these ZIPs is small, so one or two closings can move a median a lot. We lean on closed renovated comps, not the swing in a ZIP average, and we keep the after repair value inside what those comps support.
Water is the local issue everyone asks about. The 2022 failure at the city’s treatment plant led to a federal court putting the system under a third-party manager, JXN Water, and buyers still ask about pressure, boil notices and water bills, so check the account and service history on any house. The housing stock is old: cast iron and galvanized plumbing, clay sewer lines, original wiring and Yazoo clay, a shrink-swell soil that moves foundations across the metro. Belhaven is a designated historic district, so exterior changes there can need review before the work starts.
Who buys your finished Jackson deal
The finished northside house sells to doctors, nurses, professors, state workers and young professionals who want an older home close to work and to the restaurants on North State Street. Price it against renovated sales on the same streets, not against Madison. If a sale drags, rents near the medical district can make holding the house with a DSCR refinance a workable fallback.
Your whole loan, in one portal
Apply once and the whole Jackson loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Jackson
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Jackson.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Jackson
We broker deals across the whole Jackson market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Mississippi, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
Plan on 7-14 days with completed flips and 21-30 days on a first flip. We stay on title and the lender through funding.
Jackson hard money FAQ
Do you lend hard money in Jackson?
Which fix and flip programs apply in Jackson?
How fast can a Jackson hard money loan close?
How much do I need to bring to close on a Jackson flip?
Do you fund the rehab budget in Jackson?
What credit score do I need for a Jackson fix and flip loan?
Can I refinance a Jackson flip into a rental loan?
Who handles the closing on a Jackson flip?
Does the Jackson water situation hurt resale?
Before you sign anything
Ready to fund your Jackson deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.