Licensed & LendingHard Money & DSCR Loans in Tennessee
Capital Kings funds 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.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
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
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Tennessee fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Tennessee buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Tennessee growth corridors specifically.
Active Markets
Cities We Fund Across Tennessee
Active lending across Tennessee's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Tennessee Investors
Nashville STR DSCR loans on projected income
Available statewide for Tennessee investors.
Memphis BRRRR financing
Available statewide for Tennessee investors.
Knoxville / Chattanooga fix-and-flip
Available statewide for Tennessee investors.
Bridge financing for value-add multifamily
Available statewide for Tennessee investors.
Ground-up new construction in growth corridors
Available statewide for Tennessee investors.
Common Questions
Tennessee Lending FAQ
Do you lend hard money loans in Tennessee?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Tennessee through our 270+ lender network. We close Tennessee deals in as little as 7 days.
What cities in Tennessee does Capital Kings lend in?
We fund 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 fund 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?
As little as 0% down on the right deal. Most Tennessee hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Tennessee can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Tennessee Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Tennessee deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
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.
Connect With Micah →Ready to fund your Tennessee deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
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.