Hard Money Lenders Tennessee – Fix and Flip, Ground up Construction, DSCR, Commercial and Asset Based
As one of the go-to hard money lenders in Tennessee, HardMoneyMan.com offers hard money loans in TN with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
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Hard Money Lenders in Tennessee
HardMoneyMan.com LLC is a nationwide direct hard money lender providing fast financing across Tennessee.
We work with real estate investors funding fix and flip projects, DSCR rental properties, commercial assets, ground-up construction,
and true asset-based loans secured by real estate.
With over $3.5 billion funded across 25,000+ deals, our team understands Tennessee’s diverse markets—from
Nashville and Memphis to Knoxville, Chattanooga, and emerging secondary cities.
We lend based on property value, deal structure, credit (in most cases), experience and exit strategy—not traditional income documentation.
Why Investors Use Hard Money Loans in Tennessee
Tennessee continues to attract investors due to population growth, strong rental demand, and landlord-friendly regulations.
Hard money loans allow investors to move quickly on opportunities that require speed, flexibility, or renovation.
- Fast closings for competitive acquisitions
- Financing for properties needing rehab
- Flexible underwriting based on asset value
- Short-term bridge solutions before refinancing
Fix & Flip Loans in Tennessee
Short-term financing designed for investors purchasing and renovating properties for resale.
- Up to 90% of purchase price
- Up to 100% of renovation costs
- Interest-only payments
- Terms typically 12–18 months
Service Areas: Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin
DSCR Rental Loans in Tennessee
Long-term or bridge financing for rental properties based on property cash flow rather than personal income.
- No tax returns or W-2s required
- Loan approval based on DSCR
- Available for single-family and small multifamily
Service Areas: Nashville Metro, Memphis Metro, Knox County, Hamilton County, Williamson County
Ground-Up Construction Loans in Tennessee
Financing for 1–4 unit residential ground-up construction projects for experienced builders.
- Construction draws based on progress
- Fast approvals for qualified builders
- Competitive leverage for strong projects
Service Areas: Nashville suburbs, Williamson County, Rutherford County, Knox County
Asset-Based Loans in Tennessee
True asset-based loans secured by real estate. This program is separate from fix and flip, DSCR, and construction financing.
- Up to 50% loan-to-value
- No credit score requirements
- No income documentation
- Ideal for free-and-clear properties
Service Areas: Statewide Tennessee
Tennessee Fix and Flip Loans
Tennessee Construction Loans
Tennessee Rental Loans
Tennessee Multi Family Loans
Asset Based Loans in Tennessee
Commercial Hard Money Loans in Tennessee
Areas We Lend in Across Tennessee
- Nashville
- Memphis
- Knoxville
- Chattanooga
- Clarksville
- Murfreesboro
- Franklin
- Brentwood
- Spring Hill
- Surrounding cities and counties statewide
Tennessee Hard Money Loan Case Studies
Fix & Flip – Nashville, TN
Funded acquisition and renovation of a single-family property in East Nashville.
Loan covered 90% of purchase and 100% of rehab. Closed in 8 days.
DSCR Rental Refinance – Memphis, TN
Refinanced a stabilized rental portfolio using DSCR-based underwriting with no income documentation required.
Asset-Based Loan – Knoxville, TN
Provided a $1.2M asset-based loan at 50% LTV on a free-and-clear mixed-use property.
No credit score minimums.
Frequently Asked Questions About Hard Money Loans in Tennessee
How do hard money loans work in Tennessee?
Hard money loans in Tennessee are short-term loans secured by real estate. Approval focuses on property value and exit strategy rather than borrower income.
How fast can hard money loans close in Tennessee?
Most Tennessee hard money loans close in 7–10 days once due diligence is completed.
Do hard money lenders in Tennessee require good credit?
No. Credit is reviewed, but decisions are driven by the asset and deal structure.
What properties qualify for hard money loans in Tennessee?
Eligible properties include single-family homes, 1–4 unit residential, multifamily, mixed-use, and select commercial assets.
Are hard money loans legal in Tennessee?
Yes. Hard money lending is legal and widely used by real estate investors throughout Tennessee.
Our Tennessee hard money lending programs serve real estate investors throughout the state, including Memphis, Nashville, Chattanooga, Knoxville, and all other cities in Tennessee. Investors looking to expand their projects beyond Tennessee can explore our lending programs in Texas, Mississippi, Arkansas, and Missouri.