DSCR Financing in TN

DSCR Loans in Tennessee

Appreciation in Nashville, cash flow in Memphis, and a thriving Smoky Mountains STR market, Tennessee covers all three DSCR strategies.

Local Market Context

Investor Markets in Tennessee

Nashville

Appreciation market with strong tenant demand, conventional DTI gates most investors out.

Memphis

One of the country's deepest Class C cash-flow markets with extreme rent-to-value.

Knoxville

University of Tennessee rentals and Smoky Mountains-adjacent BRRRR inventory.

Chattanooga

Growing mid-size metro with Volkswagen and manufacturing tenants.

Gatlinburg / Pigeon Forge

Smoky Mountains cabin STR market, one of the top STR regions in the country.

Common Properties

What Investors Finance in Tennessee

✓Nashville SFRs and small multifamily
✓Memphis Class C cash-flow SFRs
✓Smoky Mountains cabin STRs
✓Knoxville student and university rentals
✓Chattanooga manufacturing-tenant SFRs
✓Section 8 inventory in Memphis

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Tennessee

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

80% cash-out can be available in Tennessee. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.

Tennessee DSCR FAQ

Does Get Brick Capital offer DSCR loans in Tennessee?

Yes. Tennessee is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Tennessee?

Yes. Program 7 can be available in Tennessee for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Tennessee DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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