Chattanooga, Tennessee
Hard money lenders in Chattanooga, TN
Fix and flip, DSCR rental, new construction and bridge loans for real estate investors in Chattanooga, TN, from a direct private lender. Term sheet in about 2 hours on average; most loans close in 5–10 business days.
Loan programs
What we lend on in Chattanooga, TN
Business-purpose loans for real estate investors only. Close in your LLC or other entity.
| Program | Rates | Leverage | Term |
|---|---|---|---|
| Fix & flip | From 8.75% | Up to 90% of cost | 12–24 months |
| DSCR rental | From 6.75% | Up to 80% LTV | 30-year fixed |
| New construction | From 8.75% | 85–90% of cost | 12–24 months |
| Multifamily | From 8.0% | Up to 75% LTV | 1–10 years |
Terms are subject to underwriting, appraisal, title, and insurance.
Market snapshot
The Chattanooga, TN investor market at a glance
Public market data, each figure linked to its source. It describes the market, not our loan terms.
| Measure | Figure | Source |
|---|---|---|
| Median sale price, Chattanooga, TN metro (Zillow, all homes, raw) | $329,000 (Aug 2025: $312,900) | files.zillowstatic.com, 2026-08-31 |
| Typical home value, Chattanooga city (Zillow ZHVI, mid-tier) | $314,999 (-1.3% year over year) | files.zillowstatic.com, 2026-09-30 |
| Typical rent, Chattanooga city (Zillow ZORI, all rentals) | $1,498/mo (+2.3% year over year) | files.zillowstatic.com, 2026-09-30 |
| Median days to pending, Chattanooga, TN metro (Zillow) | 36 days (Sep 2025: 27) | files.zillowstatic.com, 2026-09-30 |
| Effective property tax rate, Hamilton County (Tax Foundation, ACS 5-yr) | 0.62% (median home value $312,800, median tax bill $1,925) | taxfoundation.org, 2024 (ACS 2020-2024 5-yr; published 2026) |
Data gathered 2026-11-04.
How it works
From application to funded
Send the deal
Property, price, rehab or build budget, and your track record. The application takes about five minutes.Get real terms
A written term sheet in about 2 hours on average.Close
Most loans close in 5–10 business days. Draws are typically funded within 1 business day.
Tennessee
More of Tennessee
Questions
Investor loans in Chattanooga, TN: common questions
Do you make hard money loans in Chattanooga?
Yes. We make business-purpose loans to real estate investors in Chattanooga and across 45 states: fix and flip, DSCR rental, new construction and bridge loans from $75K to $5M.
How fast can you close a loan in Chattanooga?
Most loans close in 5–10 business days, depending on the appraisal, title and insurance. You get a written term sheet in about 2 hours on average.
Can I borrow in my LLC?
Yes. Most of our borrowers close in an LLC or other business entity, and we encourage it.
Do you lend to homebuyers or on a home I will live in?
No. We lend only to real estate investors on investment property, never on a primary residence.
Is Tennessee a judicial or non-judicial foreclosure state?
The usual process in Tennessee: non-judicial. It affects how long distressed and auction properties take to reach the market, so check timelines with a local title company or attorney.
Have a deal in Chattanooga? Get a term sheet in about 2 hours on average.
Apply now