Nashville flips are bigger and faster than in most Southern cities. Prices are higher, buyers expect finished products that compete with new infill homes, and the best deals rarely wait for slow financing.
In short: Our top pick for fix and flip financing in Nashville is LendingStreet. We fund 1-8 unit investor flips from $150,000 to $5M+, cover up to 90% of total cost and up to 100% of the rehab on some programs, and can close in as little as 10 days. If you decide to hold the finished home as a long-term rental, we can refinance it into a DSCR loan, which matters in a city where short-term rental permits for non-owner-occupied homes are limited.
We built our fix and flip program for investors, not homeowners. In Nashville, LendingStreet funds 1-8 unit flips from $150,000 to $5M+, with leverage up to 90% of total cost and up to 100% of the rehab on some programs. The loan is short-term and interest-only, which keeps payments lower while the work is underway.
Investors choose us for speed and follow-through. We can close in as little as 10 days across Davidson, Williamson, Rutherford, Sumner and Wilson counties, and if the finished home is a better rental than a sale, the same team can move it into a 30-year DSCR loan.
Have a property under contract or in mind? Use the form below for a quote, or call (877) 298-1001.
If you are weighing Dominion Financial, LendingOne, Lima One and RCN Capital for a fix and flip loan for investors in Nashville, TN, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
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 |
|---|---|---|
| Fix and flip above $3M | LendingStreet | Our fix and flip program runs from $150,000 to $5M+. LendingOne states fix and flip loans up to $3,000,000, and RCN Capital states up to $2M. |
| Flip of a 5-8 unit building | LendingStreet | We finance 1-8 unit investor properties. RCN Capital states its fix and flip loans cover 1-4 family homes, condos and townhomes. |
| 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. |
East Nashville, Inglewood and Madison carry 1920s to 1950s cottages and bungalows that renovate well. On the west side, The Nations and Sylvan Park have been some of the most active flip and infill areas, and North Nashville, Bordeaux and Antioch offer lower entry prices.
Donelson and Hermitage trade mid-century ranch homes with simpler rehabs. Outside Davidson County, investors work Murfreesboro, Smyrna, La Vergne, Hendersonville, Gallatin and Mt. Juliet, where newer homes dominate.
Because builders compete for the same lots, a flip in Nashville has to beat the value of a teardown. Check what an infill builder would pay before you plan a renovation.
Many Nashville flips are heavy renovations or additions. Budget for these items and confirm your scope with a contractor.
Permits run through Metro Nashville Codes for anything structural, electrical, plumbing or mechanical. Several neighborhoods, including much of East Nashville, sit inside historic or conservation overlays, where exterior changes, additions and demolition need review by the Metro Historic Zoning Commission.
Metro also limits short-term rental permits for non-owner-occupied homes in most residential zones. Do not count on nightly rental income as a backup exit unless you have confirmed the property qualifies.
Flip financing in Nashville generally comes from four places: banks and credit unions, local hard money lenders, private individuals and investor lenders like LendingStreet. The details vary by lender, so use this table as a starting guide.
| What flippers need | LendingStreet | Typical bank or credit union | Typical local hard money lender | Private individual lender |
|---|---|---|---|---|
| Leverage on purchase and rehab | Up to 90% of total cost; up to 100% of rehab on some programs | Often lower; rehab funding varies | Varies by lender | Varies by person |
| Closing speed | As little as 10 days | Often several weeks | Often fast | Depends on the individual |
| Loan size | $150,000 to $5M+ | Varies; may limit investor exposure | Varies; large loans can be harder | Limited by the person's capital |
| Property types | 1-8 unit investment properties | Varies | Varies | Varies |
| Income documentation | Business-purpose investor loan | Often requires tax returns | Usually asset-focused | Informal; negotiated |
| Long-term rental option | DSCR refinance with the same team | Varies | Usually short-term only | Usually short-term only |
| Where they lend | All 50 states and DC | Usually a local footprint | Often one region | Usually local |
This example is illustrative and not a quote. An investor buys a 1940s cottage in Inglewood that needs a kitchen, two baths, a layout change that adds a primary suite, electrical and HVAC for $365,000, with a rehab budget of $95,000, for a total project cost of $460,000. The after-repair value, based on recent nearby sales, is $595,000.
The loan covers 85% of the purchase price plus 100% of the rehab, for a loan of $405,250, or about 88% of total cost. The estimated monthly interest-only payment is about $3,377. Over a 6-month hold with about $820 a month in taxes, insurance and utilities, and selling costs of about 7% of the sale price, the estimated profit before income taxes is about $59,042.
If the investor keeps the home instead, a DSCR refinance of the same $405,250 balance at $3,600 a month in rent, with estimated principal and interest of about $2,834 plus about $560 in taxes and insurance, works out to a DSCR of about 1.06x.
| Item | Amount |
|---|---|
| Purchase price | $365,000 |
| Rehab budget | $95,000 |
| Total project cost | $460,000 |
| Loan amount | $405,250 (about 88% of cost) |
| Estimated purchase closing costs | $9,125 |
| Cash to close (down payment and closing costs) | $63,875 |
| Estimated monthly interest-only payment | $3,377 |
| Holding costs over 6 months | $4,920 |
| Total interest over 6 months | $20,262 |
| After-repair value | $595,000 |
| Estimated selling costs | $41,650 |
| Estimated profit before income taxes | $59,042 |
Tennessee charges a recordation tax of $0.37 per $100 on the deed, usually paid by the buyer, and a mortgage tax of $0.115 per $100 of loan amount above $2,000. On a higher-priced Nashville flip, those lines add up, so get a full estimate from your title company.
Renovated homes in established neighborhoods tend to sell to owner-occupants who compare them with new infill homes. Price your finishes for that buyer, and confirm current days on market with a local agent before you set your timeline.
Use these questions with any lender you are considering for a Nashville flip, and compare the answers side by side.
| Question | LendingStreet's answer |
|---|---|
| Max leverage | Up to 90% of total cost; up to 100% of rehab on some programs |
| Loan size | $150,000 to $5M+; larger balances reviewed case by case |
| Closing speed | As little as 10 days |
| Entity borrowing | LLC borrowers welcome |
| Units | 1-8 units; 9+ units is commercial |
| Refinance exit | DSCR loan with a 1.0x standard minimum, 620 credit and seasoning that varies by program |
Markets shift, and a well-planned flip has a fallback. If your finished property draws a strong tenant or the sale takes longer than planned, a DSCR refinance can replace the short-term loan.
Our DSCR loans qualify on the property's rent, with no W-2s or tax returns. The standard minimum DSCR is 1.0x, minimum credit is 620 and 30-year terms are available. Rate-and-term reaches 80% LTV on some programs and cash-out reaches 75%, with seasoning that varies by program. Call (877) 298-1001 or use the form below to review both exits.
Our top pick is LendingStreet. We fund 1-8 unit investor flips in Nashville from $150,000 to $5M+, with up to 90% of total cost, up to 100% of rehab on some programs and closings in as little as 10 days, plus a DSCR refinance option if you keep the property.
Yes. We lend throughout the Nashville area, including Davidson, Williamson, Rutherford, Sumner and Wilson counties, and in all 50 states and DC. Get a quote with the form below or call (877) 298-1001.
Up to 90% of total cost, and up to 100% of the rehab on some programs. Loans run from $150,000 to $5M+, and the final amount depends on the property, the budget and the after-repair value.
We can close in as little as 10 days. Sending the contract, rehab budget and entity documents early helps keep the timeline short.
Only if the property sits in a historic or conservation overlay and you change the exterior, add on or demolish. Check the overlay map before you plan your scope.
Only if it qualifies for a permit. Metro limits non-owner-occupied STR permits in most residential zones, so plan on a long-term lease and a DSCR refinance as your backup.
You can refinance into a LendingStreet DSCR rental loan, which qualifies on the property's rent with a 1.0x standard minimum DSCR. Seasoning varies by program, so ask about it before you buy.
No. Our fix and flip loans are business-purpose loans on non-owner-occupied investment property, made to investors who renovate to sell or rent.
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