Tennessee Fix & Flip Loans
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Fix and flip loans for Tennessee real estate investors in Nashville, Memphis, and Knoxville.
Flexible Financing for Tennessee Investors
LYNK Mortgage offers fix and flip loans built for active Tennessee investors — whether you're buying a single rehab or scaling a renovation pipeline, anywhere we lend. With rates from 8.50%, up to 95% LTC, and a 12 months term, our Tennessee fix and flip loan programs are designed to fund quickly without the hassle of bank underwriting.
Loan-to-value up to 70% ARV
Loan-to-cost up to 95% LTC
Accelerate Your Success
The real estate market moves fast, and having access to reliable fix and flip financing can give you the competitive edge you need to succeed. At LYNK Mortgage, we're committed to providing investors with the tools, funding, and expertise to transform properties and achieve exceptional returns with the best fix and flip loans available in Tennessee.
Borrow With Confidence
LYNK Mortgage has funded over $1 billion of fix and flip loans for projects just like yours. As a trusted direct lender, we bring years of experience and personalized service to every loan, giving you confidence that you are partnering with a team of experts who understand your real estate investment goals.
Make More Money
Fix and flip interest rates in Tennessee from 8.50%
Get Started Now
Start your fix and flip project with the financing you need today. Get pre-approved in minutes with our online application - or call us at 407-476-2500.
Where We Lend
Our fix and flip loans are available in: AL, AR, CO, CT, DC, DE, FL, GA, IA, IN, KS, KY, LA, MA, MD, MI, MO, MS, NC, NE, NJ, OH, OK, PA, RI, SC, TN, TX, VA, WI, WV
What's Special About Tennessee?
Tennessee's fix and flip market is driven by Nashville's explosive growth and Memphis's deep inventory of affordable fixer-uppers. Nashville's infill neighborhoods like East Nashville, Germantown, and the Nations have seen tremendous appreciation, while suburban communities in Williamson, Rutherford, and Wilson counties offer aging subdivision inventory ripe for renovation. Memphis provides a different profile — low acquisition costs, quick cosmetic renovations, and a steady resale market.
Tennessee has no state income tax, keeping your flip profits fully intact. The state's permitting process is relatively efficient, particularly in suburban jurisdictions. Property taxes are among the lowest in the nation, keeping holding costs minimal during the renovation period.
Knoxville and Chattanooga round out the state's flip opportunities as secondary markets with growing populations, university-driven demand, and affordable housing stock that offers strong margins for investors willing to work outside the two largest metros.
Tennessee's two flagship metros run on different clocks. Nashville is a higher-cost, higher-appreciation market where good flips compete on finish quality and design — the buyer in East Nashville or 12 South is comparing your renovation against new builds. Memphis is the opposite: lower acquisition costs, faster cosmetic turns, and a buyer pool more sensitive to monthly payment than to design details. The same operator running the same playbook in both cities tends to underperform — Tennessee rewards investors who treat the two as distinct markets.
Middle Tennessee suburbs — Franklin, Brentwood, Murfreesboro, Hendersonville — have absorbed most of Nashville's price growth and now offer a middle path: established neighborhoods, motivated retiree and out-of-state buyer pools, and renovation projects that don't require Nashville-tier finish budgets. East Tennessee around Knoxville and Chattanooga continues to attract retirees and remote workers from the Northeast and Midwest, with measurable demand for renovated single-family inventory at price points well below Nashville.
Tennessee Fix & Flip Loan Terms
Interest rate
From 8.50%
Max loan-to-cost (LTC)
95%
Max loan-to-value (LTV, ARV basis)
70%
Loan term
12 months
Max loan size
Up to $2.5 million
Draws
Online, 2–5 day funding
Typical close time
7–15 days
Tennessee Fix & Flip Borrower Requirements
Citizenship
U.S. citizen or permanent resident. Foreign-national borrowers considered case-by-case.
Entity
LLC or corporation only — no owner-occupied loans. Single- and multi-member LLCs both work.
Credit
Minimum FICO 660. Best pricing at 700+. Lower scores workable with offsetting strengths.
Property type
SFR, 2–4 unit, condo, PUD. Small multifamily up to 10 units considered.
Experience
First-time flippers welcome with stronger equity. Better pricing for borrowers with completed projects.
Liquidity
Enough to cover down payment, closing costs, and interest reserves through the rehab.
How Closing a Tennessee Fix & Flip Loan Works
1
Online pre-approval
Minutes. See your rate, fees, and term sheet upfront.
2
Submit deal docs
1–2 days. Purchase contract, scope of work, entity docs, experience summary.
3
Appraisal & underwriting
3–7 days. ARV valuation, budget review, title work.
4
Closing
Day 10 or sooner. Sign at title; initial funding wired same day in most cases.
5
Draws during rehab
Request online by line item. Inspection-based releases, typically funded in 2–5 business days.
Where We Lend in Tennessee
We originate fix and flip loans across Tennessee, including:
Nashville, Memphis, Knoxville, Chattanooga, Clarksville, Murfreesboro, Franklin, Jackson, Johnson City, Bartlett, Hendersonville, Kingsport
Not seeing your market? We lend statewide — reach out and we'll confirm coverage.
Our Lending Experts Are Here to Help
Thinking about a new fix and flip project in Tennessee? Ready to get an approval? We want to make your life easier with our flexible process and knowledgeable staff. Get started with our online pre-approval and you'll be one step closer to a fast closing.
The LYNK Mortgage Difference
Close in 7–15 Days
Human touch, AI speed — AI-assisted underwriting paired with a dedicated loan officer on every deal.
Instant Term Sheets
Transparent rates and fees upfront — no surprises, no waiting.
Dedicated Team
One loan officer on your deal from application to closing.
No Tax Returns
No income docs required — we focus on the deal, not your paperwork.
Direct Lender
We make our own decisions and fund with our own capital.
$1 billion+ Funded
Trusted by investors nationwide with a proven track record.
More From LYNK Mortgage
Fix & flip loans in nearby states
Analyze Your Deal
Our Fix & Flip ROI Calculator can help you quickly understand the investment potential of your renovation project.
Frequently Asked Questions
Getting started with a fix and flip loan from LYNK Mortgage is simple. Begin by completing our online application, which allows us to understand your funding needs. Our process is designed to minimize delays and maximize efficiency so that you can focus on what you do best: flipping properties in Tennessee for profit.
Renovation & Construction FAQs
Questions About Fix & Flip Loans in Tennessee
Copyright © LYNK Mortgage. All Rights Reserved.
LYNK Mortgage offers fix & flip loans, new construction loans, multi-family bridge loans, and DSCR rental loans to real estate investors.
Disclaimers: LYNK Mortgage makes loans solely for business purposes (and not for personal or consumer use) and is exempt from licensing in all states in which it operates. LYNK Mortgage does not lend on owner-occupied properties. Listed rates, terms, and conditions are offered only to qualified borrowers, may vary by loan product, deal structure, property state, or other applicable considerations, and are subject to change at any time without notice. No information on this site is intended to, or shall, create a legally binding commitment or obligation on the part of LYNK Mortgage and all terms are expressly subject to LYNK Mortgage's credit, legal, and investment approval process.
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