Best Fix & Rent Lenders in Tennessee (2026)
Compare fix & rent lenders serving Tennessee real estate investors. We found 2 lenders offering fix-and-rent loans in Tennessee — see rates, LTV, credit requirements, and expert reviews below.
Investing in Tennessee
Nashville has shifted from cash flow to appreciation. Memphis is the established turnkey rental capital. No state income tax. Knoxville and Chattanooga offer balanced profiles.
Key Markets
Typical Rates
8%–11% (bridge) → 6.5%–8.5% (perm)
Max LTV
80%–85% purchase, 100% rehab, 75% perm
Typical Terms
12–18 month bridge → 30-year permanent
Min Credit
660–700
Fix & Rent Lenders Serving Tennessee
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| KiaviFeatured | 6.5%–12% | 80% | 640 | $100K–$3M | 10–21 days | 4.5 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
About Fix-and-Rent Loans in Tennessee
Hybrid loans that combine short-term rehab financing with automatic conversion to a long-term DSCR loan. The one-loan BRRRR solution — no separate refinance needed.
Tennessee real estate investors use fix-and-rent loans for brrrr strategy investors and investors who want to rehab then hold long-term. Tennessee's lack of state income tax makes rental property returns even more attractive when combined with fix & rent financing.
Other Loan Types in Tennessee
Fix & Rent Lenders in Nearby States
Analyze Your Tennessee Deal
Use our free calculator to see if your Tennessee investment works with Fix & Rent financing.