Hard Money Lenders in Nashville, Tennessee

By admin, Hard Money Lenders IO

Hard Money Lenders in Tennessee

Nashville is the capital of Tennessee. It is also the county seat of Davidson County, but Nashville is also the most populous city in the state, as well as the 21st biggest city in the United States. It is one of the fastest growing cities and metropolitan areas in the country, and is well-known for being the home to Vanderbilt University, but also for being home to a robust music scene, as well as the Tennessee Titans NFL team. 

Nashville is referred to as “Music City” because of the country music scene there, and being home to so many colleges and universities, it is also known as the “Athens of the South.” According to Jeff Rohde at Roofstock, Nashville is a also the heart of the Tennessee Valley, and is a major hub for transportation and manufacturing. Education, healthcare, and financial services contribute to a very thriving economy. 

It has the 20th fastest growing metropolitan area in the United States, and it’s one of the best cities for economic growth right now. Unemployment is very low, and many companies have their corporate headquarters in Nashville, including Dollar General and Bridgestone Americas. Vandervilt University is not the only major university in Nashville as well, as Nashville is also home to Tennessee State University, Nashville State Community College and Belmont University. It is also home to the Nashville International Airport, one of the fastest growing airports in the United States.

Right now, Nashville is a seller’s market. It is a place where demand is outpacing supply, and because there’s such a limited supply, buyers need to pay higher prices for homes. Homes are selling very fast and for higher than listing price, and real estate investors in Nashville are getting into bidding wars over the best real estate in the state. 

Hard money loans might be the best way to invest in real estate in Nashville. Hard money loans are loans mainly used for real estate transactions like fix and flips and long-term rentals, but their main advantage is a seller’s market like Nashville is their very fast speed of approval. Hard money loans can be approved within a couple of days, whereas traditional mortgage loans can take a month or more to be approved. This fast speed of approval is an instant advantage since it secures very fast financing for investors.

These loans can be approved so quickly because of they are an alternative source of financing to traditional mortgage loans. Hard money loans use the property as the asset, rather than the credit score of the borrower. They might have a credit score minimum of 600 to 620, but hard money loans mainly use the property as collateral. If a borrower defaults on a traditional mortgage loan, the bank forecloses on the property. But if a borrower defaults on a hard money loan, the lender owns the property. Every hard money lender prepares themselves for this responsibility before approving a hard money loan, so they can prepare to profit even if a borrower defaults.

Because of this, hard money loans have lots of disadvantages as well. They come with higher interest rates, shorter repayment periods, and lower LTV ratios compared to traditional mortgage loans. Hard money loans have interest rates between 8–15%, repayment periods of about a year, and LTV ratios of 65–75%. 

It’s important to only trust the best hard money lenders. That’s where we have you covered. We have made a list of the best hard money lenders in Nashville so you don’t have to. 

Hard Money Lenders IO

The team at Hard Money Lenders IO have been lending on investment properties to real estate investors. Every member of our team is dedicated to providing the clients we serve with fast, affordable financing solutions so that they can have access to the funding they need. Hard Money Lenders IO has adjustable guidelines and customized lending programs for borrowers.

Loan Amounts from
100K to 5M+

Rates starting at

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LendingOne is a private money lender, specializing in the financing of non-owner occupied residential investment properties. Lending One provides Mortgage Brokers and Real Estate Investors with a fast and cost effective funding source for their real estate investment needs.

LendingOne uses our own capital, an easy online application and our extensive real estate experience to provide quick and reliable funding for our clients.

Our Loan Programs include:

Fix & Flip
Buy & Hold
Rate & Term
Cash Out Refinance
Bridge Financing
Wholesale Lending

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