Capital Kings brokers Tennessee investor loans. Hard money, DSCR, and bridge across Nashville, Memphis, Knoxville, and Chattanooga. TN is one of our most active states because Nashville STR demand, Memphis cash flow, and Knoxville/Chattanooga growth all line up for investors.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Tennessee
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
Loan Products
Capital That Funds Tennessee Deals
Nashville STR deals are their own underwriting category. Our DSCR lenders price them on projected Airbnb income with STR-specific appraisers. Memphis is one of the strongest pure-cash-flow markets in the country and our lenders price it accordingly. Knoxville and Chattanooga both blend appreciation upside with reasonable entry prices.
Fix & Flip
Hard Money for Flips
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Tennessee flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Tennessee buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Tennessee growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Tennessee
Active lending across Tennessee's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Tennessee before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Tennessee Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Nashville STR DSCR loans on projected income
Memphis BRRRR financing
Knoxville / Chattanooga fix-and-flip
Bridge financing for value-add multifamily
Ground-up new construction in growth corridors
Common Questions
Tennessee Lending FAQ
Do you lend hard money loans in Tennessee?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Tennessee through our 350+ lender network. We close Tennessee deals in as little as 7 days.
What cities in Tennessee does Capital Kings lend in?
We broker investor loans statewide in Tennessee, with active deal flow in Nashville, Memphis, Knoxville, Chattanooga, Murfreesboro and the surrounding metros.
Do you offer DSCR rental loans in Tennessee?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we broker DSCR rentals across Tennessee on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Tennessee hard money loan close?
Most Tennessee fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Tennessee fix-and-flip loan?
It depends on the deal. Most Tennessee hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Tennessee Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Tennessee deal we close.
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Tennessee are originated by partner lenders licensed to lend in Tennessee. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.
Broker, Not a Lender