Tennessee Investor Loans
Fix & Flip
- Loan Size:Up To $1MM
- Loan Term:6 Months
- Property Type:1-4 Family
- Occupants:Non-Owner Occupied
Buy and Hold
- Loan Size:Up To $1MM
- Loan Term:5, 20, 30 Year Options
- Property Type:1-4 Family
- Occupants:Non-Owner Occupied
Wrapable
- Loan Size:Up To $1MM
- Loan Term:20 Years
- Property Type:1-4 Family
- Occupants:Non-Owner Occupied
Top Tennessee Markets

Tennessee Fix & Flip Loan Packages
Fix & Flip A | Fix & Flip B | Fix & Flip C | |
1-4 Family, Non-Owner Occupied | |||
6 Month Term, Interest-Only Payments | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 750K Loan Size | Up To 750K Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
90% LTC (must bring 10% of contract to closing) | 90% LTCÂ (must bring 10% of contract to closing) | 90% LTC (must bring 10% of contract to closing) | |
25% of Rehab Cash on Hand Required | 25% of Rehab Cash on Hand Required | 25% of Rehab Cash on Hand Required | |
2.75 Points at Closing | 3.5 Points at Closing | 4 Points at Closing |

Tennessee Rental Loan Packages
5 Year Rental
5/20 Rental A | 5/20 Rental B | 5/20 Rental C | |
1-4 Family, Non-Owner Occupied | |||
5 Year Balloon Payment, 20 Year Amortization | |||
Fixed Rate Loan | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 1MM Loan Size | Up To 1MM Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
100% LTC | 100% LTC | Â 100% LTC | |
1.35 Minimum DSCR | 1.35 Minimum DSCR | 1.35 Minimum DSCR | |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing |
20 Year Rental
20/20 Rental A | 20/20 Rental B | 20/20 Rental C | |
1-4 Family, Non-Owner Occupied | |||
No Balloon Payment, 20 Year Amortization | |||
36-Month Adjustable Rate Mortgage | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 1MM Loan Size | Up To 1MM Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
100% LTC | 100% LTC | Â 100% LTC | |
1.35 Minimum DSCR | 1.35 Minimum DSCR | 1.35 Minimum DSCR | |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing |
30 Year Rental
30/30 Rental A | 30/30 Rental B | 30/30 Rental C | |
1-4 Family, Non-Owner Occupied | |||
No Balloon Payment, 30 Year Amortization | |||
36-Month Adjustable Rate Mortgage | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 1MM Loan Size | Up To 1MM Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
100% LTC | 100% LTC | Â 100% LTC | |
1.35 Minimum DSCR | 1.35 Minimum DSCR | 1.35 Minimum DSCR | |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing |

Tennessee Wrapable Loan Packages
20/20 Wrapable A | 20/20 Wrapable B | 20/20 Wrapable C | |
1 Unit Single Family, Non-Owner Occupied | |||
No Balloon Payment, 20 Year Amortization | |||
Fixed Rate Mortgage | |||
LLC Ownership Only | |||
Up To 1MM Loan Size | Up To 1MM Loan Size | Up To 1MM Loan Size | |
740+ Credit Score | 680-739 Credit Score | 600-679 Credit Score | |
70% LTV | 70% LTV | Â 70% LTV | |
100% LTC | 100% LTC | Â 100% LTC | |
1.35 Minimum DSCR | 1.35 Minimum DSCR | 1.35 Minimum DSCR | |
2.75 % at Closing | 3.5 % at Closing | 4 % at Closing |
Resources for Real Estate Investors

Hard Costs vs. Soft Costs in Real Estate Development: What’s the Difference?
Real estate development and investing are complex processes, with a wide range of activities for investors to track and manage for a successful project. Budgeting and tracking costs are one of these tasks, and it is incredibly important to the overall success of any project — especially in a market with uncertainty and price fluctuations. … Read more

Top 3 Reasons to Invest in Multi-Family Properties
Are you wanting to grow your investment business but don’t know where to start? Multi-family properties can be a great option for investors looking for growth and the possibility to step back from the daily management of the asset. Multi-family properties offer many advantages over other types of investments, and there are several compelling reasons … Read more

The Capital Stack: How It Works in Commercial Real Estate Investing
When it comes to real estate investing, a thorough understanding of the capital stack is essential for success. The capital stack is the collective term for the various sources of capital used to finance a commercial real estate project. Understanding the different parts of the capital stack and how they work together can help you … Read more

Funding Commercial Real Estate Deals: What You Need to Know
Securing funding for commercial real estate deals is an essential part of the process. Knowing the ins and outs of the various financing options available can make the difference between a successful deal and a failed one. In this blog post, we’ll discuss the fundamentals of financing commercial real estate deals and what you need … Read more

How to Start Investing in Commercial Real Estate
Commercial real estate may deliver the appreciation and stable returns most investors are looking for, even during economic uncertainty. The volume of capital invested in commercial real estate further demonstrates its proven worth as an asset. It also may offer investors a more diversified, balanced, and scalable approach to real estate investing. Whether you’re considering … Read more

Why You Should Invest in Commercial Real Estate
What comes to mind when you think of real estate investing? For many, it’s rehabbing single-family homes or managing rental properties. And while these are great investments, many investors may be missing out on opportunities in commercial real estate. Why diversify into commercial? Here are three reasons why you may consider this asset class. Income … Read more

3 Ways to Invest During an Uncertain Market
Although uncertainty remains in the real estate market and broader economy for years ahead, there are opportunities for real estate investors to stay active in the market while investing wisely. As the market continues to correct from the highs of a seller’s market in prior years, raised rates and falling affordability are likely to continue … Read more

Residential vs. Commercial Real Estate Investing
One of the most common questions from people considering real estate investing is whether they should focus on residential or commercial properties. There are many factors to consider when making this decision, but here’s a quick breakdown of some of the significant differences and benefits of both real estate investing avenues. What Is Residential and … Read more

Where Are Real Estate Deals Coming From in 2023
As the new year brings changes and uncertainty to the real estate market, it can also bring opportunities. An ongoing challenge for all real estate investors is finding investment deals, whether off-market or not. Will a changing market mean changes to the way investors find deals? There is no doubt that we will see changes … Read more

4 Fundamentals of Commercial Property Investing for Beginners
For those looking to start investing in commercial real estate properties, basic foundational knowledge is necessary to know where to begin and how to manage such lucrative investments. Here are the four fundamentals investors should look for to find sound, sustainable, and profitable commercial real estate investments. 1. Finding the right strategy Like residential real … Read more

How to Choose the Best Location for Investment Properties
A good location can’t be overlooked in real estate, and it is one of the most important features determining the property’s value. However, many factors come into play to make a location good or bad. Let’s look at the different factors real estate investors should consider when choosing a location for their investment property. 1. … Read more

3 Strategies for Increasing the Cash Flow of Your Real Estate Properties
In real estate investing, cash flow is the profit you bring after collecting all income, paying operating expenses, and setting aside reserves for future repairs. Depending on the case, the cash flow can be negative, break even, or positive. A real estate investor should always aim to reach positive cash flow, and here are three … Read more

How to Close Your First Real Estate Deal
Closing real estate deals may be an exciting thing investors experience over their careers, but that doesn’t mean the process isn’t lengthy and confusing. Not only do you need to have the right property in the right location, you also need to do the right work and sell at just the right amount. In the … Read more

3 Reasons You Should Invest in Commercial Real Estate
Commercial real estate may deliver the appreciation and stable returns most investors are looking for, even during economic uncertainty. The volume of capital invested in commercial real estate further demonstrates its proven worth as an asset. It also may offer investors a more diversified, balanced, and scalable approach to real estate investing. Whether you’re considering … Read more

What are the Best Types of Properties for Real Estate Investors?
The first step as a real estate investor is usually the most difficult. New investors may feel overwhelmed by everything they don’t know about real estate: the terminology, the market, the capital, the risks, and the rewards. The variety of investment properties available makes real estate a popular investing strategy among investors. Whether you are … Read more

How Recent Interest Rates Impact Real Estate Investors
Tom Berry, Co-founder and CEO of Investor Loan Source, is an experienced real estate investor. He shared his thoughts on current interest rates and how they will impact real estate investors. Check out the video below as Tom Berry goes into more detail about the current impact. Investor Loan Source, a private money lending company, … Read more

3 Challenges Buyers Face When Rehabbing Properties
Rehabbing a house is one of the most popular exit strategies in real estate investing. Real estate investors of all backgrounds and starting points have come to know the benefits of real estate rehabs. To start rehabbing houses, carefully lay out your goals and identify which rehab type best aligns with your situation. Learn the … Read more

Fixing and Flipping a House Guide
Fixing and flipping houses is a fascinating business. By establishing this new venture, you may be able to substantially increase your income-not to mention you’ll also develop investments that will allow you to reach financial freedom. By following this fix and flip guide, you may be able to engage in more effective investments. 1. Understand … Read more

The Future of DSCR Loans
by Tom Berry Over the last year, we have seen a massive increase in interest rates on DSCR loans. DSCR stands for debt service coverage ratio and is one way the lender analyzes a loan. Real estate investors use DSCR loans to build a rental portfolio. Credit score, experience, loan-to-value, and asset type are other … Read more

Tips for First-Time Real Estate Investors
First-time real estate investors should keep in mind that it’s not a sprint, but a marathon. No one can expect to succeed right away. Be patient, do your homework and consider the long-term payoff when you make the jump into investing. In the video below Natalie Larson, CSR Manager of Investor Loan Source, shares tips … Read more