In a fast-growing metro like Nashville, the investor with the shortest closing date often wins the house. Bridge money is how you make that offer without paying all cash.
In short: Our top pick for bridge loans in Nashville, TN is LendingStreet: closings in as little as 10 days, loans from $150,000 to $5M+ on 1 to 8 unit investment property, and two clear exits, a sale or a DSCR rental refinance with the same lender. Rates start from 7.99%. Get a quote with the form below or call (877) 298-1001.
When a Middle Tennessee deal needs to close fast, LendingStreet is our top pick. We make bridge loans from $150,000 to $5M+ on 1 to 8 unit residential investment property, with rates from 7.99%, interest-only payments and closings in as little as 10 days. On some bridge programs, no appraisal is needed.
Our bridge loans suit Nashville investors competing with cash buyers, picking up estate and auction homes, running a BRRRR plan in the outer neighborhoods, or paying off a loan that is coming due. When the plan is to hold, we refinance you into a DSCR rental loan that qualifies on rent, with no W-2s or tax returns.
Get a quote with the form below or call (877) 298-1001 to talk through a Davidson, Rutherford, Sumner or Wilson County property.
Well-known bridge lenders include CoreVest, Dominion Financial, Lima One and Roc Capital. Compared scenario by scenario for investors in Nashville, TN, LendingStreet comes out as the stronger choice, and one application covers it.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Investors in Nashville buy in Madison, Antioch, Inglewood, Bordeaux, Whites Creek, Old Hickory and parts of East Nashville, where 1950s and 1960s brick ranches and small cottages sit on large lots. Infill has brought tall, narrow new homes and horizontal property regime duplexes to The Nations, Wedgewood-Houston and East Nashville. Outside Davidson County, Murfreesboro, Smyrna, La Vergne, Gallatin, Hendersonville and Mount Juliet have newer subdivisions and steady rental demand.
The metro's growth means competition, and competition means short closing windows. A bridge loan lets you write an offer that looks like cash and fix the financing later.
Nashville investors typically compare a bank or credit union, a local hard money lender, a private lender and an investor lender like LendingStreet. These are general patterns. Any single lender may differ.
Local banks can work well for investors with full income documentation and a flexible timeline. Hard money is often fast, but fees and terms vary and it rarely includes a long-term loan. With LendingStreet, the quick close and the 30-year DSCR refinance come from one lender.
| What to compare | LendingStreet | Typical bank | Typical private or hard money lender |
|---|---|---|---|
| How you qualify | Deal-focused; no W-2s needed; LLC borrowers standard | Often requires tax returns and personal income | Mostly based on the property |
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| Long-term exit | Refinance into a DSCR rental loan with the same lender | Possible, usually with full income documents | Usually short-term only |
| Loan size | $150,000 to $5M+ | Varies; large balances can be harder | Varies by lender |
| Valuation | No appraisal on some bridge programs | Appraisal usually required | Varies |
| Rates | From 7.99% | Varies | Varies; fees and terms vary |
| Where they lend | All 50 states and DC | Usually a local footprint | Usually local or regional |
The most common bridge uses we see in Middle Tennessee:
This example is illustrative and not a quote. An investor wins a dated Madison ranch for $345,000 by offering a 14-day close. A bridge loan of $276,000, 80% of the price, funds the purchase, and the investor pays $40,000 of cosmetic work in cash. The estimated interest-only payment is about $2,300 a month, or about $9,200 over 4 months.
Buying costs include Tennessee's recordation tax of $0.37 per $100 (about $1,276, customarily paid by the buyer), the mortgage tax of $0.115 per $100 above the first $2,000 (about $315) and about $4,500 of title and other costs. Holding costs for taxes, insurance and utilities run about $650 a month.
The home sells for $460,000. Selling costs budgeted at 7% are about $32,200. The estimated profit before income taxes is about $24,909, on about $126,891 of the investor's cash. If the investor chose to hold instead, the same property could move into a DSCR loan.
| Item | Amount |
|---|---|
| Purchase price | $345,000 |
| Bridge loan (80% of price) | $276,000 |
| Cosmetic work, paid in cash | $40,000 |
| Estimated interest-only payment | $2,300 a month |
| Interest over 4 months | $9,200 |
| Buying closing costs and taxes | $6,091 |
| Holding costs over 4 months | $2,600 |
| Sale price | $460,000 |
| Selling costs (7%) | $32,200 |
| Estimated profit before income taxes | $24,909 |
| Investor cash in the deal | $126,891 |
Tennessee has no broad state income tax on wages, but buyers in Tennessee usually pay the recordation tax on the deed, and the mortgage tax applies to the loan. Davidson County property taxes are moderate, and the county reappraises on a regular cycle. Confirm the current figures with the assessor and your title company.
Metro Nashville limits permits for non-owner-occupied short-term rentals in most residential zoning districts, while some commercial and mixed-use districts allow them. Surrounding cities and HOAs set their own rules. If nightly income is your exit, confirm the zoning for the exact parcel with Metro Codes before you buy.
Not every bridge property should be sold. Middle Tennessee's job growth supports long-term rentals, and many investors hold the homes they buy fast. Our DSCR loans qualify on the property's rent, with a 620 minimum credit score, a 1.0x standard minimum DSCR, LLC borrowers and 30-year terms.
Cash-out goes up to 75% LTV, and rate-and-term goes up to 80% on some programs. Seasoning varies by program, so tell us your exit when you apply.
These questions separate a quick loan from a quick loan with a plan. LendingStreet's answers follow each one.
When you are ready, get a quote with the form below or call (877) 298-1001.
Our top pick is LendingStreet, for closings in as little as 10 days, bridge loans from $150,000 to $5M+ with rates from 7.99%, and a DSCR refinance with the same lender if you hold.
Yes. We lend throughout Nashville and Middle Tennessee, the rest of Tennessee, and all 50 states and DC.
In Tennessee the buyer customarily pays the recordation tax on the deed, and the mortgage tax applies to the loan. Confirm with your title company.
Only where the zoning allows it. Metro Nashville limits non-owner-occupied permits in most residential zones. Check the parcel first.
Yes. Closing in as little as 10 days lets you offer a short closing window, which many Nashville sellers value.
Yes. We lend on 1 to 8 unit investment property, including infill duplexes and small multi-unit buildings.
Some bridge programs need no appraisal. Larger balances usually need a full valuation.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
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