Hard Money Lender in Nashville, TN
Ryser Capital is headquartered in Nashville and funds more deals here than anywhere else. We know the neighborhoods, the comps, the title companies and the contractors, and we close fast.
Nashville is one of the most active investor markets in the Southeast. Infill new construction in East Nashville, Germantown and The Nations, tall-and-skinny builds across Davidson County, full-gut flips in Madison and Antioch, and short-term and long-term rentals feeding a growing population all need capital that moves at the speed of the market. That is what we do.
Because we are local, valuations and rehab budgets get a reality check from people who have walked these streets. That means fewer surprises at appraisal, cleaner draws and a lender who understands why a 12 South address prices the way it does.
We fund purchases and refinances on 1 to 4 unit properties, small multifamily, new construction and portfolios throughout Nashville and the surrounding counties: Davidson, Williamson, Rutherford, Wilson, Sumner, Cheatham and Maury.
What Investors Are Doing in Nashville
- Fix and flip on 1 to 4 unit homes
- Tall-and-skinny and infill new construction
- BRRRR with a DSCR refinance at stabilization
- Short-term rental purchases in permitted zones
- Small multifamily bridge loans
Areas We Fund
Loan Programs in Nashville
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
Nashville Lending Questions
How fast can Ryser Capital close a loan in Nashville?
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 Nashville?
No. We lend to local investors and to out-of-state investors buying in Nashville. 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 Nashville that many lenders pass on, as long as there are reasonable comparable sales to support the value.