New Rent-to-Own homes available this week • No traditional bank qualification required today
Hancock County, Mississippi Gulf Coast

Rent to Own Homes in Bay St. Louis, MS

Charming coastal lease-option homes in Bay St. Louis, MS. Enjoy historic Old Town boutiques, marina sunsets, golf cart-friendly streets, and guaranteed price lock terms.

25% Monthly Rent Credit100% Locked Purchase PriceZip Codes: 39520

Available Homes in Bay St. Louis, MS

Currently updating inventory in Bay St. Louis, MS.

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Inventory Update

No Available Listings at This Time in Bay St. Louis, MS

There are no active rent-to-own listings in Bay St. Louis right now. Please check back in the future as we acquire and remodel new homes weekly across Hancock County.

Want a home in Bay St. Louis?

  • Pre-qualify now: Be first in line to view homes in Bay St. Louis before public release.
  • Custom Purchase: We can buy any eligible home currently for sale on the MLS in Bay St. Louis and lease it to you with an option to purchase.

Available Rent-to-Own Homes in Neighboring MS Coast Cities

Explore active lease-option properties currently available across the Mississippi Gulf Coast.

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Modern Coastal Craftsman with Fenced Backyard & Chef Kitchen
Active Rent-to-OwnFeatured
Monthly Rent$2,150/mo
Purchase Price$285,000
+$538/mo (25%) Rent Credit toward Purchase Price

Modern Coastal Craftsman with Fenced Backyard & Chef Kitchen

7640 Portland Drive, Biloxi, MS 39532

4
Beds
2.5
Baths
2,350
Sq Ft

How Rent to Own Works in Bay St. Louis, MS

Our program gives Mississippi Coast families a direct path to homeownership without the stress of immediate bank mortgage qualification.

25% Monthly Equity Credit

If your rent is $1,900/mo, approximately $475/month accumulates to lower your purchase price.

Locked Purchase Price

Your sales price is locked upfront for 1 to 3 years regardless of Hancock County market appreciation.

Popular Bay St. Louis Neighborhoods We Serve:

Old Town Bay St. LouisShoreline ParkCedar PointMain Street Historic District
Official Rent-to-Own Application

Apply For This Home

No impact on your credit score to apply. Get pre-qualified in minutes with our transparent lease-purchase program.

1. Personal & Contact Information

2. Financial & Employment Profile

We accept all credit ranges! Our rent-to-own structure is specially created to give you time to repair or establish credit before you buy.

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Interactive Equity Projection

Rent-to-Own Equity Builder

Customized for: Bay St. Louis, MS Area Average

Total Credited Toward Purchase Price$25,600
Monthly Rent Payment$1,900/mo
$700/mo$5,000/mo
Monthly Rent Credit Toward Purchase Price

Locked at 25% of rent — automatically credited toward reducing your purchase price.

25% Locked+$475/mo
Frozen Purchase Price$275,000
$100,000$750,000
Initial Option Fee / Upfront Credit$8,500
$1,500$30,000

Your 3-Year Purchase Price Reduction

Monthly Rent Credits Applied (36 mos):-$17,100
Initial Option Fee Applied:-$8,500
Total Credited to Purchase Price:$25,600 (9.3%)
Final Purchase Balance to Pay:$249,400

Your monthly rent credits reduce the purchase price dollar-for-dollar!

Estimated Price-Lock Equity Bonus

If market prices appreciate ~3.5%/yr, this home would be worth approx. $304,897. Because your price was frozen at $275,000, you gain an extra +$29,897 in instant equity!

Pre-Qualify for this Rent-to-Own Structure

Rent to Own Homes Mississippi Gulf Coast

We proudly offer lease with option to buy homes in all major cities across the MS Gulf Coast. Find your perfect property in these thriving communities.

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Rent to Own Homes in Bay St. Louis, MS | MsRent2Own.com