Memphis real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 660+ credit. Close in 7-10 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 fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
Active investor market with strong rental demand and fix flip activity.
We also fund investments throughout the greater Memphis metro including Germantown, Collierville, Bartlett, Cordova, and Lakeland.
Accurate ARV is critical. Memphis submarkets like Midtown have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Memphis rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Memphis — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Memphis averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Memphis fix and flip closings happen in 7-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
Most programs require 660+ FICO. Stronger programs start at 680-700.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Memphis range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Memphis fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Texas investor market.
Check My Eligibility →By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
Investment Property Only • 660+ FICO • $200K+ Loans
🔒 SSL Secured · 256-bit Encryption · ✓ Investment Properties
Or call us directly: (877) 298-1001