Meridian, Mississippi · Affordable Housing Initiative
100+ New Homes.
The First Built Here in Nearly 60 Years.
We're building affordable housing in a market with a data center, a university expansion, and a hospital expansion all driving demand at once. There are four ways to participate — and the guide walks through every one.
A Market With Three Engines Firing at Once
Housing demand in Meridian isn't speculative. Three separate developments are pulling people into a city that hasn't built new homes in generations.
A major data center investment
A recently announced large-scale data center project is bringing construction jobs first, then permanent ones — and every one of those workers needs somewhere to live.
Mississippi State expansion
An expanding Mississippi State University campus, including roughly 1,600 planned apartments, is drawing students, staff, and faculty into the area.
Hospital expansion
Healthcare expansion adds another layer of stable, well-paid employment — the kind that turns renters into buyers.
We've already purchased property, we're working directly with the City of Meridian and the local Housing Authority, and 30 of the first homes are pre-committed to the Housing Authority before a foundation is poured.
Pick the Role That Fits What You Have
Cash, credit, both, or neither — there's a structure for each. Many partners combine more than one.
Private Money Lender
You lend cash secured by the property. Funds release in draws tied to completed work — never all at once.
- You provide
- Cash
- Your return
- 10–12% fixed
- Minimum
- $50,000
Credit Partner
You use your credit to secure the construction loan. It closes under an LLC, so it stays off your personal DTI.
- You provide
- 720+ credit
- Your return
- 10% of profit
- Minimum
- ~20% down
Credit + Capital
Bring both and you come in as a 60/40 partner on the deal instead of a straight credit partner.
- You provide
- Credit + cash
- Your return
- 40% of profit
- Minimum
- 720 + $50,000
Retail End Buyer
Buy a finished home. We place the tenant and manage the property — rent, resale appreciation, and tax benefits.
- You provide
- Purchase price
- Your return
- Rent + resale
- Range
- $209K–$249K
How Your Money Is Protected
Before we talk about returns, here's what happens if things go sideways. The guide covers all of it in detail.
- Released in draws, not lump sumsFunds go out as each construction phase completes — foundation, framing, lumber — not all at once up front.
- Photo proof before every drawWe send photos of completed work so you can confirm progress before releasing the next round of funds.
- Always over-collateralizedAt every stage, the value built into the property exceeds what you've released. You stay collateralized throughout the build.
- Automatic reversion for credit partnersIf we miss a mortgage payment and approach 30 days late, the property reverts to you under the operating agreement — no foreclosure, no litigation.
Private Money Lender & Credit Partner Guide
Everything covered on our investor call — all four structures, returns, minimums, underwriting, and the questions people ask most. Fill this out and it's yours immediately.
Before You Fill It Out
Is my money locked up for a long time?
Loans are structured on a 12-month term, but we typically aim to complete and close within about six months — roughly four months to build and two to close. If you choose to redeploy into the next project, your funds can transfer directly at closing without a separate closing process, as long as you stay inside the original 12-month term.
What if I have less than the $50,000 minimum?
Tell us your amount. We may be able to pair you with another investor under a jointly-held LLC, point you toward a smaller opportunity such as one of our fix-and-flip deals, or discuss applying your capital toward land inventory for future phases.
Do I need to form a new LLC?
No — if your existing LLC is in good standing, you can use it. These loans close under an LLC rather than in your personal name, which keeps the debt off your personal debt-to-income profile.
Can I be a credit partner and a private lender on the same deal?
In some cases, yes. One partner may carry the loan as the credit partner while another supplies cash in second lien position. If a single person supplies both credit and capital, that person becomes a 60/40 partner earning 40% of profit rather than the standard 10% credit-partner return.
What do you look for in a partner?
Three things: credit (720 minimum for credit-based structures), liquidity, and experience. We supply the experience — if you're new to this type of investing, our track record satisfies that requirement. Loans are underwritten off the asset, not your W-2.
Ready to see the numbers?
Download the guide, decide which role fits, then text Lynette to set up a one-on-one call and get matched to a specific lot.
Get the Free GuideOr text 601-286-1615 directly.
Important: All information on this page is provided for general informational and educational purposes only and does not constitute an offer to sell or a solicitation of an offer to buy any security. Real estate development and lending involve substantial risk, including possible loss of principal. Returns, timelines, costs, and prices shown are estimates based on current expectations and are not guaranteed. Past results do not predict future results. Meridian Community Development Company is not a registered investment adviser, broker-dealer, law firm, or accounting firm, and nothing here is investment, legal, or tax advice. Any participation is governed solely by separately executed written agreements. Consult your own advisors before making any decision.