Tennessee Fix-and-Flip Loans
Real estate investors need a lender that understands the local market and delivers results. Rain City Capital provides fix-and-flip loans in Tennessee. With a local team based in Nashville and extensive experience in lending, we bring the speed, flexibility, and market knowledge you need to succeed.
Our Fix-and-Flip Loans
Rain City Capital offers specialized fix-and-flip financing loans for Tennessee real estate investors. Our loan programs provide the capital and flexibility you need to buy, renovate, and sell properties for maximum profit. We offer competitive rates starting at 10% and fast closings that help you beat the competition.
Competitive rates: We offer interest rates ranging from 10% to 12%, keeping costs manageable during your renovation.
Renovation financing: We fund your entire renovation budget, preserving capital for additional investments.
Standard loan term: Our standard term is 12 months, allowing you to complete your project with ample time, with optional extension options available if needed.
Quick approvals: Most loans take 10 days from application to approval, helping you secure time-sensitive opportunities.
No prepayment penalties: Sell early and keep all your profits without penalty fees.
Why Tennessee Investors Choose Rain City Capital
Tennessee's real estate market continues to attract investors with its growing population, favorable tax environment, and strong rental demand. Nashville's booming economy and rising property values create excellent opportunities for fix-and-flip projects and long-term rentals. Since entering the Tennessee market, we've built a reputation for funding deals that other lenders pass on.
Our Nashville-based team understands Tennessee's unique market dynamics, from permitting requirements to neighborhood trends. We know which areas offer the best returns and can help you evaluate deals before you commit. As your Tennessee hard money lender, we provide:
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Non-Dutch Interest Structure
Our non-Dutch interest approach saves you money throughout your project. You only pay interest on renovation funds you've actually drawn, not on your entire reno budget. This structure can save hundreds or thousands in monthly carrying costs while you complete work.
Draw Process and Timeline
You control the renovation pace through our borrower-managed draw system. After we order a baseline inspection, request funds as you complete work milestones. A third-party inspector verifies completed work using your approved budget and scope. Most draw requests are processed within days, keeping your project moving forward without funding delays.
We've streamlined our process to help you move quickly on Tennessee real estate opportunities.
How Our Tennessee Lending Process Works
Share your property details with our Nashville team. We'll analyze the numbers to confirm you have a solid investment.
Review your deal:
Complete our quick application to receive preapproval based on your credit and available assets, plus 24/7 access to proof-of-funds letters.
2. Apply online:
Our underwriters review your property details, title information, and after-repair value (ARV). Most loans receive approval within two days.
3. Get approved:
4. Receive your funds:
Once approved, we work with escrow to complete your loan signing and wire your funds so you can start your project.
Start Your Next Tennessee Real Estate Investment
Contact our local team to discuss your fix-and-flip loan requests. When you're ready to move forward, apply online to get started.