Memphis (TN–MS–AR) · Direct lender
Investment property loans in Memphis, TN
CR Equity AI funds DSCR, bridge and fix-and-flip loans for real estate investors in Memphis, TN and across Shelby, Fayette, Tipton and DeSoto (MS) counties. We finance single-family, 2–4 unit, multifamily, mixed-use and commercial properties, with fix-and-flip funding in 24–48 hours and purchase closings in 9–15 days.
- Coverage
- 48 states
- Terms
- 5 minutes
- Fastest fund
- 24-48 hours
- Loan range
- $75K-$100M
Direct lender. We lend our own capital.
Memphis has long been a hub for institutional and individual single-family rental investors because of its low purchase prices and high rent-to-price ratios. Investors here often finance several properties at once, so blanket and portfolio DSCR structures come up regularly.
Most of what we finance in the Memphis (TN–MS–AR) metro: Single-family rental portfolios and turnkey rentals.
Same national programs apply in Memphis: DSCR for rentals, bridge for speed-sensitive acquisitions and lease-up, and fix and flip with rehab draws. Soft credit pull to see terms. Business-purpose only — not owner-occupied homes.
What we lend in Memphis
Same programs as the rest of the site. These pages are the local door — not a second set of terms.
How Memphis deals usually show up
DSCR rentals in Memphis
Long-term or short-term rentals that qualify on the property's rent, not personal tax returns. Common across Cordova, Bartlett and Whitehaven.
Business-purpose CRE in Memphis
Acquisition, refinance, and value-add on investment property — not owner-occupied homes.
Business-purpose CRE in Memphis
Acquisition, refinance, and value-add on investment property — not owner-occupied homes.
Where we lend in Memphis (TN–MS–AR)
Counties
- Shelby
- Fayette
- Tipton
- DeSoto (MS)
Cities and neighborhoods
- Cordova
- Bartlett
- Whitehaven
- Raleigh
- Frayser
- Germantown
- Southaven, MS
Local market
Memphis questions
Soft credit pull only — no hit to your score to get terms Business-purpose lending in 48 states. Typical close 9-15 days.
Yes. CR Equity AI funds DSCR, bridge and fix-and-flip loans for investment properties across Shelby, Fayette, Tipton and DeSoto (MS) counties, including Cordova, Bartlett, Whitehaven and Raleigh. Loans are for business-purpose real estate: single-family, 2–4 unit, multifamily, mixed-use and commercial.
Fix-and-flip loans can fund in 24–48 hours once the file is complete, and purchase loans typically close in 9–15 days. Timing depends on title, appraisal or valuation, and how quickly documents come in.
Yes. A DSCR loan qualifies on the property's rental income compared with its monthly debt payment, so personal tax returns and W-2s are not used to qualify. Credit, reserves and the property itself are still reviewed.
Single-family rentals and flips, 2–4 unit properties, apartment buildings with five or more units, mixed-use buildings and small-balance commercial properties. Owner-occupied homes are not eligible because these are business-purpose loans.
Yes. CR Equity AI uses a soft credit pull only to price a deal, so checking terms does not hit your score. A hard pull happens later, only after you accept terms and move toward closing.
Yes. Many Memphis rental buyers live elsewhere. The loan is made to your LLC or to you as an investor, qualification is based on the property, and closings can be handled remotely.