Home
Loan Products
New Construction DSCR Rental Bridge Fix & Flip Build to Rent
Who We Are
What We Do Meet the Team Where We Lend
Broker Partners
Loan Calculators
Construction DSCR Rental
Apply Now
All Lending Areas

Private Lending in Tennessee

Residential investment financing across Tennessee’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Market Overview

Investing in Tennessee

Tennessee combines no state income tax with booming population growth (1.5%+ annually), creating one of the nation's most dynamic real estate markets. Nashville, Memphis, and Knoxville each offer distinct investment profiles. Median home prices ($310,000 in Nashville) remain reasonable given growth trajectory. Landlord-friendly laws and low property taxes (0.73%) maximize investor returns.

The state's business-friendly environment attracts national operators and portfolio investors. For growth-oriented portfolios balancing appreciation and cash flow, Tennessee offers premier risk-adjusted returns and operational simplicity.

Lending Areas

Tennessee Markets We Serve

We lend across Tennessee’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Nashville Memphis Knoxville Chattanooga Clarksville
Loan Programs

Available in Tennessee

Every loan program we offer is available to qualified borrowers and properties in Tennessee.

Bridge Loans

Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.

Learn More

DSCR Rental Loans

30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.

Learn More

Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

Learn More

New Construction Loans

Capital for home builders to leverage their lot position and break ground on new residential projects.

Learn More

Build to Rent Loans

Financing for purpose-built rental communities and single-family rental developments.

Learn More
Key Data

Market Snapshot

Median Home Price
$310,000
Property Tax Rate
0.73%
Population Growth
1.5% annually
Annual Permits
~40,000 annually
Landlord Friendly
Yes
Top Yield Market
Memphis
Strategies

What Works in Tennessee Right Now

Nashville Urban & Suburban Acquisition-Rental Growth

Nashville's explosive growth (1.5%+ annually) and no state income tax attract national investors. Acquire 5–10 properties in acquisition mode ($250K–$350K). DSCR refinance into long-term hold. 4–5% yields with strong appreciation.

Memphis Value-Add Portfolio Stacking

Memphis's lower cost basis ($150K–$220K) and stable rental demand support aggressive portfolio stacking. Acquire 8–15 properties. DSCR financing locks 6–8% yields. Limited appreciation, strong cash flow.

Knoxville Suburban Growth & New Construction Takeout

Knoxville's growing population and professional employment drive new construction. Finance builders and development. Bridge and takeout financing. Multi-phase projects.

Questions

Frequently Asked Questions

Why does Tennessee have no state income tax?
Tennessee has no state income tax, making it highly attractive for investors. No tax on capital gains, dividends, or ordinary business income at the state level. This maximizes after-tax investment returns.
What are Tennessee's property tax rates?
Tennessee property tax averages 0.73% of assessed value, among the lowest in the nation. This creates strong DSCR cash-flow returns. No capital gains tax on long-term investment property sales.
Are there landlord-friendly eviction laws?
Tennessee is landlord-friendly. Evictions require 3 days' notice and typically conclude within 2–3 weeks. No just-cause requirement. Deposits and entry fees are permissive.
What rental income can I expect in Tennessee?
Nashville rentals range $1,100–$1,400/month on $250K–$350K properties. Memphis supports $800–$1,000/month on $150K–$220K basis. Knoxville supports $900–$1,150/month. Cap rates of 4–8% vary by market.
Other Markets

Also Lending In

Kentucky Virginia North Carolina Georgia Alabama Mississippi Arkansas Missouri

Start Your Tennessee Investment

Our team has deep experience financing residential projects across Tennessee. Reach out to discuss your next deal.

Apply Now →