We purchase seller-financed land notes and provide vacant land acquisition loans throughout Mississippi. Serving Jackson, Gulfport, Biloxi, Hattiesburg, Oxford, Tupelo and all 82 counties.
Mississippi offers exceptional land investment opportunities from Gulf Coast waterfront and Delta farmland to piney woods timber tracts, affordable hunting land, and growing suburban corridors — one of the most affordable land markets in the country.
Close fast and beat other buyers
Statewide Mississippi coverage
We value the land ourselves
Sell on terms, our loan stays in place. How wraps work
Have a seller-financed land deal in Mississippi? We buy land notes throughout the Magnolia State for 80-90% of the current balance. Close in as little as 7 days and turn your note into immediate cash.
Purchase vacant land in Mississippi with our Damen Capital acquisition loan program. Get a written quote in 24 hours and close in as little as 7 days.
Biloxi, Gulfport, and Bay St. Louis drive coastal demand. Casino industry and military bases support steady growth. Waterfront and near-beach lots are premium.
Mississippi's fastest-growing county. Southaven, Olive Branch, and Hernando benefit from Memphis metro spillover with lower taxes and affordable lots.
State capital with growth concentrated in Rankin County (Brandon, Pearl) and Madison County (Ridgeland, Canton). Affordable suburban lots.
Ole Miss and Tupelo anchor a growing region. Oxford is one of Mississippi's most desirable towns with premium residential lot demand.
University of Southern Mississippi and Camp Shelby drive steady demand. Petal and Oak Grove corridors see consistent residential growth.
Some of the richest farmland in America. Large agricultural tracts for row crops at prices well below comparable Midwest farmland.
Central Mississippi timber country. Affordable large-acreage tracts for timber investment, hunting, and rural homesteads.
Historic Natchez and scenic parkway properties. Plantation-style acreage and river bluff properties with tourism appeal.
Mississippi land loans from us are for investors and businesses buying vacant land to resell, hold, or split. That covers most of what trades in the state: DeSoto County lots in DeSoto, Tate, and Marshall Counties, suburban land around Jackson in Rankin and Madison, North Mississippi acreage in Lafayette, Pontotoc, and Lee, timber and hunting tracts in the Piney Woods in Jones, Covington, Smith, and Jasper, and Delta farmland.
We’ve closed 17 land loans across 12 Mississippi counties. See every one on our Where We Lend map.
Loan size runs from $30,000 to $1,000,000 and is up to 65% of value (our own valuation, not an appraisal; closer to 50% of value in slower markets), capped at 80% of the purchase price. The rate is 16% interest only, for a 2 year term, with no points at closing. Costs outside the rate are simple: $600 at closing, $25 a month for servicing, a 2% exit fee at payoff, and a 5 month minimum on interest. There is no appraisal. We underwrite from the contract price, recent sold comps, road access, and how fast similar parcels have sold in that county. If the numbers work, you get a written quote within 24 hours and close in as little as 7 days through a Mississippi title company or closing attorney.
The parcel has to be at least 2 acres with deeded or recorded easement access. On the Gulf Coast and in the Delta, check the flood zone before you price the resale, because it narrows who can buy. In timber country, know whether the timber was recently cut or is reserved to a prior owner, since that changes what a buyer is paying for. Mississippi uses deeds of trust, but we still lend on access, clean title, and resale demand first.
A borrower bought 25 rural acres in Mississippi for $55,000, below comparable sales, brought 20% down ($11,000), and we funded $44,000 at 16% interest only, about $587 a month. The loan closed in 7 days with no appraisal. The borrower resold the parcel with seller financing to a recreational buyer 11 months later and paid us off at that closing. Total cost of capital, including interest, the $600 closing fee, servicing, and the 2% exit fee, was $8,212. See the full Mississippi case study.
Yes. Damen Capital provides private land loans throughout Mississippi. Loans from $30K to $1M, interest-only, closings in as little as 7 days, no appraisal required.
Yes. We purchase seller-financed vacant land promissory notes in Mississippi at 80-90% of the current balance. No seasoning required.
20% of the purchase price. We lend up to 65% of value (our own valuation, not an appraisal; closer to 50% of value in slower markets), capped at 80% of the purchase price, on loans from $30,000 to $1,000,000.
Yes, when the parcel is at least 2 acres with legal access and you are buying it for business purposes, such as a resale or a seller financed sale. Tell us if the timber was recently cut or is reserved to someone else.
Yes. We are a direct hard money and private money lender for vacant land in Mississippi. We fund land flips, subdivides, and land you plan to sell on terms, from $30K to $1M at 16% interest only, with 20% down, no appraisal, no points at closing, and as little as 7 days to close.
Some people search for a private money lender, others for a hard money lender. On land it is the same loan. Most of those lenders fund houses and pass on raw land. Land is all we lend on, and we fund our own loans with no broker in the middle. Every loan is for business purposes with a personal guarantee.
Hard money lender for land: see our terms →Whether you're selling a land note or financing your next acquisition in the Magnolia State, we'll give you a clear quote within 24 hours.
Sold Mississippi land with seller financing? We purchase seller financed land notes at 80 to 90% of balance: $50,000 minimum property value, $25,000 minimum balance, no seasoning required, performing and non-performing, written offer in 24 hours, closings in as little as 7 days.
See what your note is worth → · How note selling works · Document checklist
Already have an offer on your land note? Send it over and we'll give you ours within 24 hours. How it works →