Hard Money Lender in Franklin, TN
Williamson County is a luxury market, and Ryser Capital funds the high-value flips, custom builds and bridge loans that most lenders cap out on.
Franklin, Brentwood, Nolensville and Spring Hill sit at the top of the Middle Tennessee market. Deals here are larger, finishes are higher and buyers are demanding. We fund luxury renovations and ground-up custom homes with leverage that reflects the exit, and we understand that a Westhaven or Brentwood comp set looks nothing like the rest of the state.
Bridge loans are common in Williamson County for investors and homeowners who need to close on the next property before the current one sells. We can close those in days.
What Investors Are Doing in Franklin
- Luxury fix and flip
- Custom new construction
- Bridge loans between purchase and sale
- Rural estate and acreage properties
Areas We Fund
Loan Programs in Franklin
Fix and Flip Loans
Fast, uncomplicated funding for properties that need minor or major renovation.
Bridge Loans
Short-term financing that closes the gap between two transactions.
New Construction Loans
Ground-up funding for residential and small multifamily builds.
DSCR Rental Loans
30-year financing qualified on the property's cash flow, not your tax returns.
Portfolio Loans
One loan across multiple rental properties.
Development Loans
Horizontal and vertical financing for lot development and multi-unit projects.
FAQ
Franklin Lending Questions
How fast can Ryser Capital close a loan in Franklin?
Fix and flip and bridge loans can close in as little as 72 hours once title and insurance are in place, with a 7 day average. DSCR rental loans take 2 to 3 weeks because of the appraisal and lease review. Our fastest close on record was under 24 hours.
Do I need to be a local investor to get a loan in Franklin?
No. We lend to local investors and to out-of-state investors buying in Franklin. Out-of-state borrowers typically need a local property manager or contractor lined up, and we can help with introductions.
Do you lend to first-time investors?
Yes. Experience improves leverage and pricing, but first-time flippers and first-time landlords are funded regularly. A strong contractor, a realistic budget and adequate liquidity matter more than a long track record.
What credit score do you require?
There is no single hard minimum. Credit is one input alongside experience, liquidity and the property itself, and stronger credit improves leverage and pricing. Tell us your estimated score on the application and we will quote what fits.
Do you fund rural or luxury properties?
Yes. We fund luxury homes and rural properties around Franklin that many lenders pass on, as long as there are reasonable comparable sales to support the value.