Investment Property Loans in Tennessee (TN)
Rental property loans in Tennessee offer investors the financing needed to purchase or refinance rental properties in a state with a dynamic real estate market, especially in cities like Nashville and Memphis. Tennessee investors can choose from a variety of loan options, including conventional loans, portfolio loans, and government-backed programs, to suit different investment strategies and property types.
Compare Rental Property Loans in Tennessee
Best Rental Property Lenders in Tennessee (TN)
Lima One Capital
Lima One Capital is a well known provider of specialty financing for individual and enterprise real estate investors. They are known for their streamlined processes and flexible terms.
Rating
Lender Type
Private Lender
Loan Types
Fix & Flip, Bridge, New Construction, Single Rental Property, Portfolio, Short-Term Rentals
Rates
Rates as low as
Inquire2
Amounts
Loans starting at
$75,0003
Beeline
Beeline is a fintech mortgage lender that uses an AI-driven, fully digital platform to offer fast, simplified home‑buying, refinancing, and investment property loans.
Rating
Lender Type
Publicly Traded
Loan Types
Purchase, Refinance, DSCR, FHA, VA, Short Term Rental
Rates
Rates as low as
4.875%2
Amounts
Loans starting at
$75,0003
Kiavi
Kiavi is a real estate lending platform that specializes in providing financing solutions for real estate investors. Kiavi focuses on speed and flexibility, by leveraging technology to streamline the loan process.
Rating
Lender Type
Private Lender
Loan Types
Fix & Flip, Bridge, New Construction, DSCR Rental, Portfolio
Rates
Rates as low as
6.375%2
Amounts
Loans starting at
$500,0003
Tennessee Mortgage Statistics 2025
Understanding mortgage trends is essential for advanced investors focused on expanding their portfolio and beginner investors looking to begin investing in rental properties. The statistics below provide valuable insights into mortgage trends that affect Tennessee rental property financing in 2025.
Current Mortgage Market in Tennessee (TN)
| Mortgage Aspects | Value |
|---|---|
| Average Monthly Payment | $1,477¹ |
| Total Loans | 1,044,000¹ |
| Percent ARM (Adjustable Rate Mortgages) | 1.8%¹ |
| Total Outstanding Loan Volume | $207.5B¹ |
| Average Interest Rate | 4.3%¹ |
| Average Credit Score | 736¹ |
| Average Loan Age (Months) | 64¹ |
| Median Monthly Payment | $1,243¹ |
| Average Mark-to-Market LTV | 47.7%¹ |
Tennessee (TN) Mortgage Calculators
Rental Property Loan Calculators
Considering a rental property in Tennessee? Use our calculators to estimate loan payments, calculate down payments, and more before you invest.
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Tennessee Rental Property Loan FAQ
What Kinds Of Loan Products Are Available For Rental Properties In Tennessee?
Tennessee investors have access to a variety of loan products, including conventional investment mortgages, FHA multifamily financing, portfolio loans, commercial property lending, and private or hard money options. Each product supports different investment approaches, property types, and borrower needs.
Can Prospective Rental Income Be Used To Help Qualify For A Loan In Tennessee?
Yes, many lenders in Tennessee will let you use both current and projected rental income to strengthen your loan application. You’ll likely need to provide proof such as lease agreements, a rental market evaluation, or documentation of rental history.
What Down Payment Percentage Should I Expect For Rental Property Loans In Tennessee?
Down payments for rental property loans in Tennessee typically fall between 15% and 25%. To calculate down payment requirements for your loan, consider your creditworthiness, the lender’s policies, and details of the property you wish to finance. The exact percentage will depend on these specific factors.
Does The Property’s Condition Influence Loan Approval In Tennessee?
Yes, the state of the property can significantly impact your eligibility and loan terms. Lenders will require that the property meets certain safety and habitability standards, and major repairs may need to be completed before the loan is approved.
Are Interest Rates For Tennessee Rental Property Loans Higher Than For Primary Residences?
Yes, the interest rate for a rental property loan in Tennessee will generally be higher than that for an owner-occupied home. This is because lenders consider investment properties to be riskier than primary residences.
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Tennessee Real Estate Investor Resources
Tennessee (TN) Rental Property Management
Tennessee rental property management focuses on handling tenant relations, property maintenance, and legal compliance to help property owners maximize their investment returns.
Tennessee (TN) Rental Property Insurance
Tennessee landlord insurance provides real estate investors with essential protection against financial losses caused by property damage, liability claims, loss of rental income, and other risks associated with owning and managing rental properties.
Tennessee (TN) Rental Agreements
Residential rental agreement templates in Tennessee provide a structured format for outlining the terms of a rental arrangement, including rent, lease duration, and the obligations of both landlords and tenants.
Tennessee (TN) Average Rent Prices 2025
Average rent prices in Tennessee vary, with one-bedroom apartments in cities like Nashville and Memphis typically renting for $1,200 to $1,800 per month. In smaller towns, rent prices are generally lower, often ranging from $800 to $1,200 per month.
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Types of Rental Property Loans
1Methodology
Data
Mortgage data is based on aggregated data from one and/or several sources noted below:
2Rate Based on Publicly Posted Information on Lenders Website
3Loan Amount Based on Publicly Posted Information on Lenders Website
Disclaimer
The information included is used for illustrative purposes only. The data contained herein does not constitute financial, legal, or any material advice. Data is deemed reliable but not guaranteed and should be personally verified through personal inspection by and/or with the appropriate professionals before making any material decisions.
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