LendingOne for Tennessee investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Tennessee context
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market.
How LendingOne positions in Tennessee
The Tennessee lender pool for DSCR includes LendingOne among the active platforms. Tennessee top metros (Nashville, Memphis, Knoxville) see meaningful LendingOne loan volume.
City-level coverage in Tennessee
LendingOne provides DSCR coverage across Tennessee metros including Nashville, Memphis, and Knoxville. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne program terms apply uniformly across Tennessee metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Tennessee property tax | 0.7% |
| Tennessee state income tax | None |
LendingOne strengths in Tennessee
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Tennessee. LendingOne is based in Boca Raton, FL and operates nationally.
Nashville is the top investor market in Tennessee and falls within LendingOne national coverage. Nashville property tax follows the Tennessee state rate of 0.7 percent. LendingOne typically underwrites Nashville acquisitions at standard rate sheets.
Yes. Memphis ranks among the larger Tennessee investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Memphis matters for property selection.
LendingOne applies the same rate sheet across Tennessee metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Nashville, Memphis, and Knoxville all qualify for the same LendingOne program.
LendingOne indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Tennessee no state income tax. Memphis among deepest cash flow markets. Nashville STR contested. Smoky Mountains STR (Pigeon Forge, Gatlinburg) major market. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Tennessee.
Tennessee allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
Tennessee investors considering LendingOne should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.