Maximize Your Real Estate Investments with Tennessee’s Trusted Private Money Lenders

Supporting real estate investors in Tennessee

The Volunteer State, Tennessee is home to Nashville, the heart of Country Music, and Memphis, a major hub in blues, soul, and rock n’ roll. Beyond its rich musical heritage, Tennessee is also known for its iconic whiskey and stunning outdoor destinations like the Great Smoky Mountains.

When you’re looking for a trusted partner for your real estate investment needs, partner with Ternus Lending, your premier source for wholetail loans, fix-and-flip loans, and other private money loans. Founded for investors by investors, we’re bringing our experience and expertise to support other investors in Tennessee.

From Nashville to Knoxville, Ternus Lending is here to provide you with the hard money loan solutions you need. Whether you’re a landlord in Memphis or a house flipper in Chattanooga, take advantage of Tennessee’s real estate market and elevate your investments with Ternus Lending by your side.

TN hard money lenders

Who We Are

Ternus Lending understands the fast-paced and ever-changing Tennessee real estate market. At Ternus Lending, we’re not just lenders—we’re your dedicated partners, committed to supporting your long-term success every step of the way.

Loan Programs

 

Fix and Flip Loans

With our fix-and-flip loans,Tennessee investors can quickly purchase, renovate, and sell properties. We offer competitive terms and fast approvals so you can reach your property rehab goals.

Key Aspects of Our Fix-and-Flip Loans:

  • Up to 100% financing for 1–4-family properties, capped at 70% of the after-repair value (ARV)
  • Fast funding between $50,000 and $500,000, with potential for 24-hour closings in established areas, if the title is clear
  • No appraisals or credit checks, and we handle underwriting in-house to keep things moving smoothly

Transactional Funding

Our transactional funding is designed to support real estate wholesalers ready to take advantage of rapid buy-sell opportunities. With our transactional funding, you can move quickly on deals without the complexities often linked to traditional financing.

Key Aspects of Our Transactional Funding:

  • Loan amounts from $50,000 to $500,000, with quick processing and potential same-day closings
  • Low fees with just a 1% origination fee and no additional fees for document preparation or processing

Wholetail Loans

Our wholetail loans are tailored for Tennessee investors who want short-term financing to purchase properties quickly without making any repairs. With our competitive interest rates and the ability to close in as little as 24 hours with a clear title, we can provide you with the perfect solution for your fast-paced investment strategies.

Key Aspects of Our Wholetail Loans:

  • Rates at just 12%, interest-only payments available monthly, and no rehab escrow
  • $50,000 to $500,000 loans for 1–4-family properties covering up to 100% of loan-to-cost
  • Rapid closing in as little as 24 hours with minimal fees and no hidden processing charges

Long-Term Rental Loans

For investors focused on long-term strategies, Ternus provides DSCR loans with terms of up to 30 years. Our competitive interest rates are tailored to help you optimize returns and grow a sustainable Tennessee rental portfolio over time.

Key Aspects of Our Long-Term Rental Loans:

  • Financing up to 80% of the as-is value for non-owner occupied 1–4-family properties
  • Flexible terms with options for up to 30-year fixed-rate loans
  • Competitive rates starting as low as 6.59%

Investor Rental Portfolio Loans

With our rental portfolio loans, investors can get fast funding with flexible terms and competitive interest rates. As a top hard money lender in Tennessee, we specialize in DSCR loans designed to meet your specific needs. With a DSCR loan from Ternus, you can qualify for financing based on the projected income of your rental property.

Key Aspects of Our Investor Portfolio Loans:

  • Financing for a variety of properties, including single-family homes, condos, townhomes, and multi-family buildings (5–9 units)
  • Flexible terms of 3, 5, 7, or 10 years, with options for interest-only payments
  • Loan amounts from $55k per property up to a total portfolio limit of $20M, supporting both small and large investments