Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873Non-owner-occupied investment property only
Verified Commercial & DSCR Lender Directory
Tennessee (TN) Wholesale Lender Directory · Non-Judicial (Deed of Trust — 21-Day Publication) Foreclosure

Tennessee (TN) DSCR, Fix & Flip & Multifamily Lenders (2026)

Compare active wholesale and balance-sheet lenders funding investment properties in Tennessee (TN) on Find Loan Brokers — Match With Verified DSCR, Non-QM & Hard Money Mortgage Brokers by State. Underwritten to Tennessee's Non-Judicial (Deed of Trust — 21-Day Publication) statutory framework (40–55 days-day average timeline), 0.64% average property tax rate, and $580/$100K landlord hazard insurance benchmark.

#1 Wholesale Brokerage Shelf · NMLS #2827624

Loan Daddy LLC — Tennessee (TN) Wholesale DSCR & Commercial Desk

Up to 80% Purchase LTV · 75% Cash-Out LTV · 6.125%–7.875% 30-Yr Fixed · Close in Tennessee LLC or Delaware LLC.

Match My TN Deal →Compare TN Shelves

Active Wholesale Loan Programs in Tennessee (TN)

Tennessee DSCR Loans
Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)
Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days
Tennessee Hard Money Loans
Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only
Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days
Tennessee Private Money Loans
Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only
Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days
Tennessee Fix & Flip Loans
Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only
Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days
Tennessee Bridge Loans
Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only
Min FICO: 640+ FICO · Close: 10 – 15 Business Days
Tennessee Ground-Up Construction
Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds
Min FICO: 660+ FICO · Close: 14 – 21 Business Days
Tennessee Multifamily (5+ Units)
Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Tennessee Commercial Property
Up to 75% LTV · 6.875% – 8.99%
Min FICO: 660+ FICO · Close: 21 – 30 Business Days
Tennessee Rehab & BRRRR Loans
Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)
Min FICO: 620+ FICO · Close: 7 – 12 Business Days
Tennessee Cash-Out Refinance
Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%
Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Tennessee County-Level Tax & Insurance Underwriting Hubs (4)

Davidson County (Nashville), TN
Davidson County (Nashville), TN · 0.64% Tax
Shelby County (Memphis), TN
Shelby County (Memphis), TN · 1.42% Tax
Knox County (Knoxville), TN
Knox County (Knoxville), TN · 0.58% Tax
Sevier County (Gatlinburg/Pigeon Forge), TN
Sevier County (Gatlinburg/Pigeon Forge), TN · 0.48% Tax

Top Tennessee Rental Markets

Memphis, TNNashville-Davidson, TNKnoxville, TNChattanooga, TNClarksville, TNMurfreesboro, TNFranklin, TNJackson, TNJohnson City, TNBartlett, TNHendersonville, TNKingsport, TN
Best Tennessee (TN) DSCR & Private Money Lenders (2026) | Find Loan Brokers — Match With Verified DSCR, Non-QM & Hard Money Mortgage Brokers by State