Mid South Homebuyer's financing. Mid South Home Buyers is pleased to offer a variety of financing options for both U.S. and international investors. For our American investors, we’re able to offer top notch mortgage brokers who specialize in investment property. For our international buyers, we have bank financing available with competitive rates.

Conventional Financing

(available to U.S. citizens only)

As of today, interest rates as posted on Bankrate.com are 3.07 percent. A typical investment loan will have an interest rate of approximately 1 percentage point higher than the daily posted rate.

Investment loans are available through our lenders with approved credit, terms as follows:

  • 20% of purchase price down
  • 30 year amortization

Alternative Financing

This financing is available to U.S. and non U.S. citizens and entities such as LLC’s. It is a non-recourse loan, so it may be used to finance purchases from self-directed IRA’s or Roth’s. There is no underwriting, and can be utilized by buyers for whom FHA loans are not an option.

  • 40% down
  • 7.9% interest rate
  • 12 year amortization
  • No loan minimum, available for any purchase price


Feel free to plug your specific numbers into our mortgage calculator at the top of our available properties section to calculate your exact cash flows and total monthly payment.

Please Email Us or call 901-217-4663 with any questions.

Click here for a side by side comparison of the two financing options.

Below is a side by side comparison of these two different financing options, applied to the same example house. Neither rent increases nor vacancy are included in this comparison.

Example Property:

2311 Alameda, TN 38108
Investor Price: $92,500
Rent: $825

Conventional Loan: 20% down, 30 Year fixed
Cash Flow: $452 per month x 12 (months per year) = $5,424 per year x 30 (amount of years) = $162,720
Total interest paid on loan over 30 years: $46,669 at an interest of 3.57%
Total cash flow within a 30 year time frame: $162,760
Alternative Financing: 40% down, 12 year fixed
Cash Flow: $189 per month x 12 (months per year) = $2,268 x 12 (amount of years) = $27,216
Cash Flow: $787 per month x 12 (months per year) = $9,444 x 18 (amount of years) = $169,992
12 years with mortgage payment ($27,216) + 18 years with no debt service ($169,992) = $197,208

Total interest paid on loan over 12 years: $30,572
Total Cash flow within a 30 year time frame: $197,208

    “Mid South Home Buyers make investing in real estate an easy process. It’s great to have someone you can trust to guide you through the process.”
    –DJ McCabe – Repeat Buyer, Memphis TN