Investing in Jackson County
Jackson County covers 4 rental markets we actively finance in Mississippi — Gautier, Moss Point, Ocean Springs, Pascagoula. Across those markets the median investment basis averages $207,500, a long-term lease averages $1,144/month, and the average all-in PITIA on a DSCR loan at the minimum down payment is $1,577. That produces a county-wide average DSCR ratio near 0.75x.
Basis varies more inside Jackson County than the average suggests. Moss Point is the lowest entry point at roughly $165,000, while Moss Point currently models the strongest coverage ratio in the county at 0.93x. When two towns in the same county ratio differently, it is almost always the rent-to-price relationship rather than the rate — the same loan pricing applies county-wide, so the deal is won on which submarket you buy in.