DSCR Loans in Tennessee

Start or scale your real estate investment portfolio in Tennessee with a DSCR loan. DSCR loans in Tennessee enable investors to qualify for a mortgage using rental income rather than personal income. No tax returns or employment verification required.

  • Obtain financing based on cash flow 
  • No-income mortgage solution 
  • Buy or refinance short- and long-term rentals 
  • Unlimited cash-out
  • Competitive DSCR loan rates in Tennessee
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Areas We Serve

Griffin Funding provides DSCR loans to borrowers throughout Tennessee, including the following areas:

  • Nashville
  • Memphis
  • Bartlet
  • Johnson City
  • Knoxville
  • Brentwood
  • Arrington
  • Nolensville
  • Piperton
  • Franklin
  • Jackson
  • Chattanooga
  • Clarksville
  • Murfreesboro
  • College Grove
  • Lookout Mountain
  • Thompsons Station

Real Estate Investment Financing in Tennessee

Debt service coverage ratio (DSCR) loans allow real estate investors to qualify for a mortgage based on a property’s cash flow rather than personal income. Instead of reviewing tax returns or pay stubs, we prioritize a property’s DSCR — which measures its income versus its debt obligations — to make a lending decision. This offers a flexible mortgage solution for real estate investors looking to build or expand their portfolio. 

DSCR loans can be used to purchase or refinance long-term and short-term rental properties, with financing available for many different property types and no limit on the number of properties financed. Access up to $20 million in financing while enjoying a streamlined underwriting process with no income or employment verification. 

Visit our DSCR loan page to learn more about this type of financing and see today’s rates. Contact Griffin Funding or get started online to take the first step towards securing a DSCR loan in Tennessee. 

Frequently Asked Questions

Getting the best rate on your Tennessee DSCR loan is dependent upon several factors, including:

  • DSCR: Try to get your DSCR up to at least 1.0 – 1.25, if possible, by boosting revenue and lowering annual costs. The higher the DSCR, the better.
  • Credit: Boost your credit score by paying down credit card debt, disputing any derogatory items, and continuing to make timely payments.
  • Supporting documentation: Sell yourself! Gather your rent rolls, property tax bills, insurance declarations, and so on to back up your DSCR claims and make the case for being an insightful, prepared real estate investor.
  • Choose the right lending partner: Working with experienced DSCR lenders in Tennessee will give you the best shot at getting a competitive approval.

Not every lender will offer DSCR loans in TN. And, of those lenders that do offer them, fewer still can actually say that they specialize in them.

Griffin Funding has extensive knowledge and experience with DSCR mortgage loans in Tennessee, and it’s one of the traits that sets us apart from the competition.

Griffin Funding is an experienced lender that specializes in DSCR loans and has funded DSCR loans across the country. We offer excellent customer service and loan terms that are tailored to each specific borrower. Reach out today for a free consultation where we can discuss your investment goals and see whether a DSCR loan is right for you!