Do you finance short-term rentals in Nashville, Gatlinburg, and Pigeon Forge?

Yes. We finance STRs across the Smoky Mountains gateway (Sevier County) and in Nashville, but Nashville's Metro STR rules matter: Non-Owner-Occupied Type 2 permits are restricted in most residential zones. We underwrite Nashville properties on long-term rent comps, and Sevier County cabins on a blended long-term and seasonal projection.

How does Tennessee's lack of state income tax affect real estate investors?

Tennessee has no state income tax on wages or rental income, which meaningfully improves after-tax cash-on-cash returns versus higher-tax states. That tax profile is one of the main reasons out-of-state investors from California, Illinois, and the Northeast target Nashville, Chattanooga, and Knoxville rental portfolios.

Do you finance Memphis and West Tennessee cash-flow rentals?

Yes. Memphis, Bartlett, Cordova, Millington, and Shelby County generally offer some of the highest rent-to-price ratios in the Southeast. We finance turn-key single-family and small multifamily, and we underwrite to actual rent rolls rather than pro-forma projections common in Memphis wholesale packages.

Do you lend on rentals near Nissan, Volkswagen, and Ford BlueOval City corridors?

Yes. Rutherford, Maury, and Hamilton counties (Smyrna Nissan, Spring Hill GM, Chattanooga VW) plus the BlueOval City build-out in Haywood County are drawing meaningful tenant demand. We finance single-family and workforce housing throughout these corridors and factor construction-phase versus operational-phase rent absorption into underwriting.

Nashville skyline with Cumberland River and downtown buildings

Tennessee Investment Property Loans

Financing for Tennessee real estate investors. Rental, commercial, and bridge loans with same-day approval and 13-day closings.

Rental, Commercial & Bridge Loans

We Underwrite the Property, Not Its Income

75% LTV, up to 90% CLTV with Seller Carry

Same-Day Approval Available

Close in 8–13 Business Days

Have a deal in mind? You bring the deal - we'll tell you if it fits.

Want to See Your Financing Options?

Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.

160+ Tennessee investor properties financed

Loans Closed

0 yrs

Track Record

0 days

Avg. Close

Max CLTV

Member & Affiliated American Association of Private Lenders

Florida Association of Mortgage Professionals

Tennessee-focused asset lending since 2001. We know this market.

Tennessee Investment Property Financing

Your Property Qualifies. Let Us Show You How.

Tennessee's landlord-friendly laws make it ideal for investors. We make the financing match.

30-Year Fixed & Bridge Options

Rental & Bridge Loans

1-5 Unit Residential Properties

NO DSCR required or income verification

No tax returns required

Close in 8–13 business days

Loan amounts: $100K – $5M

Up to 90% CLTV (purchase) | 70% LTV (cash-out)

30-year fixed & bridge options available

Property Types

Single-family homes, duplexes, triplexes, fourplexes, small multifamily

Flexible Commercial Terms

Commercial & Mixed-Use

1-5 Unit Properties

Mixed-use buildings with residential units

Retail, office, industrial properties

NO DSCR required on qualifying properties

Loan amounts: $100K – $5M

70% LTV (cash-out) | 90% CLTV (purchase)

13-day closings

Flexible deal terms

Property Types

Mixed-use buildings, retail spaces, office buildings, industrial properties

Simple Documentation

Required Documents

Purchase contract or current mortgage statement

Photo ID

Corporate docs (if held in entity)

Property insurance (at closing)

That's it. No Tax Returns, No Bank Statements, No Employment Verification

Seller Carry Allowed: Up to 90% CLTVBring 10% down. Seller carries a second. Most lenders won't touch this.

You've Probably Been Through This Before

Boxes to check. Ratios to hit. And somewhere along the way, the deal just... stalls.

What You've Probably Heard

"Your DSCR doesn't qualify"
"We need a higher credit score"
"Nashville prices are too volatile for us"
"We'll get back to you in a few weeks"
"We can't move forward right now"

How We Look at It

We start with the property itself
Credit history doesn't disqualify you
No tax returns or bank statements needed
You'll hear back within an hour
We know Tennessee's landlord-friendly laws
A clear answer, either way

Skip the back-and-forth. Send us your Tennessee deal.

Recently Closed in Tennessee

Nashville, TN – Investment Property Purchase

$365,000

Purchase Price

$274,000

Loan Amount

9 days

Closed in

625

Credit Score

Cash-flow rental purchase

LLC-owned property

No income verification needed

📝 Want to see what your loan would look like? Get a same-day term sheet tailored to your Tennessee property.

Frequently Asked Questions - Tennessee Investment Property Loans

Have more questions about Tennessee investment property financing?

Loan Programs for Tennessee Investors

Choose the program that matches the property and financing need.

Rental Property Loans

Purchase or refinance eligible non-owner-occupied 1–4 unit rental properties.

View loan program →

Bridge Loans

Short-term financing for purchases, refinances, and maturing investment-property debt.

View loan program →

Multifamily Loans

Purchase or refinance eligible apartment properties with five or more units.

View loan program →

Commercial Property Loans

Financing for eligible office, retail, mixed-use, industrial, and warehouse properties.

View loan program →

Ready to Finance Your Tennessee Property?

Whether you are purchasing or refinancing, we will give you a clear answer fast. No runaround, no paperwork overload. Just investor-focused financing that works.

Specialized financing solutions for Tennessee real estate investors seeking fast, flexible funding options. Expert Tennessee market knowledge since 2001.

🏠 Tennessee Rental Loans →🌉 Tennessee Bridge Loans →🏢 Tennessee Commercial Loans →🌍 Foreign National Tennessee Loans →

Serving Tennessee investors in: Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Jackson, Johnson City, Franklin, Bartlett, Hendersonville, Kingsport, Smyrna, Cleveland, Columbia

Specialized Tennessee markets: Tennessee bridge loans | Tennessee multifamily property financing | Tennessee commercial real estate loans | Tennessee bridge loan specialists | Tennessee rental property refinancing

Note: Loan terms, rates, and availability subject to underwriting approval and may vary by Tennessee location.