Memphis real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Memphis Rate →Memphis is the logistics capital of the US — FedEx World Hub (largest cargo hub globally), UPS, and Amazon operations drive massive employment. Median prices under $200K combined with 9-12% rental yields make it exceptional cash flow territory. Careful neighborhood selection is critical — some areas are investor-strong, others are not. Partner with local property management.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
Active investor market with strong rental demand and dscr activity.
We also fund investments throughout the greater Memphis metro including Germantown, Collierville, Bartlett, Cordova, and Lakeland.
Memphis rental properties typically need a DSCR of 1.10x to 1.25x to qualify. Higher DSCR unlocks better pricing. Properties in Germantown often qualify easily on gross rent alone.
Memphis markets favor SFR, 2-4 unit multifamily, and small apartment buildings. Some lenders impose condo restrictions. STRs require DSCR programs that accept projected revenue.
All LendingStreet DSCR programs in Memphis allow LLC borrowing with personal guarantees. Standard for asset protection.
Memphis's 3.5% YoY appreciation makes cash-out refinancing attractive. Typical caps: 70-75% LTV. Use equity to acquire more Memphis properties.
Yes. DSCR loans qualify based on the Memphis rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Memphis DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Memphis rental yields average 10.8% making 1.20x achievable in most submarkets.
Yes. LendingStreet DSCR loans in Memphis allow borrowing in an LLC with a personal guarantee.
Memphis DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Memphis areas have STR restrictions — verify local rules.
Standard DSCR loans in Memphis go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Memphis rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
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