Hard Money Lender in Memphis, TN
Memphis is a cash-flow market first. Ryser Capital funds the flips, rentals and portfolios that out-of-state and local investors build here.
Memphis attracts investors from across the country for its rent-to-price ratios. Turnkey rentals, portfolio acquisitions and full rehabs in Midtown, Cooper-Young, Whitehaven, Raleigh and Frayser are the core of the market, with Germantown, Collierville and Bartlett on the higher end.
We fund single properties and portfolios in Shelby County with DSCR and portfolio loans built for buy-and-hold investors, and fix and flip loans for the rehab that comes first. Out-of-state investors are welcome; a local property manager is the main requirement.
What Investors Are Doing in Memphis
- Portfolio loans on rental packages
- DSCR loans for out-of-state buy-and-hold
- Fix and flip and BRRRR
- Small multifamily bridge loans
Areas We Fund
Loan Programs in Memphis
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
Memphis Lending Questions
How fast can Ryser Capital close a loan in Memphis?
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 Memphis?
No. We lend to local investors and to out-of-state investors buying in Memphis. 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 Memphis that many lenders pass on, as long as there are reasonable comparable sales to support the value.