Investment property financing built for Tennessee
Tennessee’s investment-property market is led by three very different metros — Nashville in Middle Tennessee, Memphis in the west, and Knoxville and Chattanooga in the east — with fast-rising secondary markets like Murfreesboro, Clarksville, and the Tri-Cities. New City Financial finances business-purpose investment and commercial real estate across the state the way investors actually operate — on the strength of the property, not a stack of personal paperwork — with a fast, predictable process from quote to close.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit the realities of the Tennessee market: the wave of investors and businesses relocating into Nashville and beyond, self-employed buyers, and LLC-titled property riding the state’s logistics and job growth. Whether you’re acquiring a rental in Nashville, refinancing a distribution building near Memphis, or pulling cash out of a Knoxville portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Tennessee investors
Every New City Financial program is available on qualifying Tennessee investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Tennessee
We lend on business-purpose investment and commercial real estate across Tennessee — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Tennessee investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Tennessee? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Tennessee commercial loan FAQs
Does New City Financial lend on investment property in Tennessee?
Yes. We finance business-purpose investment and commercial real estate across Tennessee — from Nashville and Middle Tennessee through Memphis in the west to Knoxville and Chattanooga in the east, plus rising markets like Murfreesboro and Clarksville. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Tennessee commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for the self-employed and out-of-state investors relocating into Tennessee.
What credit score do I need for a DSCR loan in Tennessee?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong Tennessee asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Tennessee?
Most Tennessee files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — important in a high-in-migration market like Nashville where competitive deals reward speed.
What loan-to-value can I get on Tennessee investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Can I pull cash out of a Tennessee rental to buy more property?
Yes. Our cash-out refinance lets you tap equity in a Tennessee investment property — qualified on the asset’s cash flow, not your tax returns — up to 75% LTV, a common way investors scale a portfolio across Nashville, Memphis, and Knoxville.
Financing your Tennessee deal with New City Financial
New City Financial provides business-purpose financing on Tennessee investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.