A Tennessee desk inside a brokerage that shops
DSCR Loans Tennessee exists for one kind of borrower: the investor buying or refinancing a Tennessee rental who would rather qualify on the property than on a stack of tax returns. We are a mortgage broker brand of Loan Daddy LLC: we shop wholesale lenders for business-purpose DSCR loans on non-owner-occupied rentals, from Memphis duplexes to Sevier County cabins.
What this site is
DSCR Loans Tennessee is a Loan Daddy LLC brand, NMLS 2827624. Loan Daddy LLC, NMLS #2827624 (nmlsconsumeraccess.org), is a mortgage broker, not a lender. AZ CMB Licensed · #CMB-2016143.
- Broker, not lender
- NMLS #2827624 (nmlsconsumeraccess.org)
- AZ CMB Licensed · #CMB-2016143
- Equal Housing Opportunity
In practice, that means we do the shopping a single lender cannot. Wholesale DSCR programs differ on coverage floors, short-term rental income, reserve requirements, condo and 2–4 unit appetite and small-balance multifamily limits. Our job is to know which programs cover your Tennessee county and property type, place the file where it fits, and coordinate it through closing. The funding lender underwrites, approves and funds the loan.
Why Tennessee, and why so local
Tennessee is not one rental market. A Memphis cash-flow house, a Nashville townhome, a Knoxville fourplex and a Sevier County cabin all underwrite differently — different tax mechanics, different insurance realities, different rules on who may run a short-term rental and where. This site is built around that: market pages for the eight regions we see most, guides on Tennessee property taxes and landlord law, and straight comparisons between financing structures.
The angle is deliberate: four Tennessees, one ratio. If you know the rent and the obligation, you know most of the answer — and the local wrinkles decide the rest.
What we will not do
We do not arrange loans for property you plan to live in — everything here is business-purpose financing for non-owner-occupied investment property. We do not publish rates, because wholesale pricing is built per file and changes with the market. We do not promise approvals or timelines, because the funding lender makes the credit decision. And we do not call ourselves a lender, because we are not one.
Business-purpose loans for non-owner-occupied investment property only; not for personal, family or household use. Not a commitment to lend. All loans subject to underwriting and lender/investor approval; terms subject to change.
Reach us
Start with the two-minute scenario form — it is the fastest route to a real answer. You can also read the licensing and disclosures page, browse the Tennessee market pages, or run numbers on the DSCR calculator.
Loan Daddy LLC · 4111 N Drinkwater Blvd Apt F202, Scottsdale, AZ 85251 · (480) 485-1229
Send us the address and the rent.
Tell us the property, the price or current balance, and what you expect it to rent for. You will get a straight reading of which programs the file clears, and what would have to change if it does not.