Memphis Construction Lenders for Residential Investment Property

Are you building a residential investment property in the Memphis metro area? On this page you'll find a list of private construction lenders for ground-up projects throughout Memphis's urban areas. The maximum loan-to-completed value (LTCV) for most lenders is 70%. You typically need to contribute 20%-25% of the project costs and have some cash reserves. Experience is almost always required. Most lenders will require the project to be fully entitled and shovel ready. A small percentage of lenders will consider land acquisition and/or horizontal financing. The lenders listed here can fund a single home build, or a development with multiple homes. We have a separate page for lenders that offer ground-up construction financing for commercial properties.

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Finance of America Commercial

Residential Real Estate Investment Loans Made Simple

$50,000 - $50,000,000
12 to 360 months
LendingOne

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Yieldi LLC

Direct Lender for Investment Properties - Bridge, Rehab, Construction

$500,000 - $5,000,000
6 to 24 months
10.00% - 14.00%
1.00% - 4.00%
Rehab Financial Group

100% Financing for Rehab, Flip and Construction Projects - NO DOWN PAYMENT!

$50,000 - $2,000,000
4 to 12 months
11.88% - 13.00%
2.00% - 4.00%
Park Place Finance

Nationwide Direct Private Lender for Residential Real Estate Investors

$100,000 - $2,500,000
12 to 23 months
9.99% - 12.99%
1.50% - 3.00%
SkyBeam Capital, LLC

Fast and reliable funding for your next Georgia real estate project

$50,000 - $2,000,000
9 to 12 months
10.00% - 15.00%
3.00% - 3.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
Center Street Lending

Smarter Loans for Residential Property Investors

$250,000 - $2,500,000
6 to 24 months
5.99% - 11.99%
1.00% - 3.00%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
7.00% - 12.00%
1.50% - 4.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
Coastal Equity Group

Direct Private Lender for Real Estate Investors in the Southeast

$100,000 - $3,000,000
12 to 360 months
10.00% - 12.00%
1.50% - 3.50%

Tennessee Construction Loan Stats

According to private lending data provider, Analytics Logics, the average interest rate for fix & flip loans in Tennessee is 13.63%. The average loan amount is $413,322. These stats are the average of all the loans which were funded between April 1, 2023 and September 15, 2023 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.

Private construction loans are typically for the vertical costs of building residential properties which will be sold or rented upon completion. Some lenders will participate in the land acquisition, but the majority only provide financing once the project is shovel-ready with building permits in hand.

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