DSCR Loans in Knoxville, TN
Find lenders offering dscr loans in the Knoxville, including Maryville, Farragut, Oak Ridge, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Knoxville
42 lenders offering dscr loans in the Knoxville, TN area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Knoxville Commercial Real Estate Market
Knoxville's CRE market is anchored by the University of Tennessee's flagship campus, Oak Ridge National Laboratory, and the Tennessee Valley Authority headquarters, creating a stable base of institutional and government tenants. The downtown core has experienced a revival centered on Market Square and Gay Street, where historic buildings have been converted into boutique hotels, restaurants, and creative office spaces. The Pellissippi Parkway technology corridor connects the university, Oak Ridge, and suburban office parks in Farragut, forming the primary axis for tech and engineering firms. The Alcoa Highway and Turkey Creek submarkets serve as major retail and medical office nodes, with Covenant Health and the University of Tennessee Medical Center driving healthcare-related CRE demand.
Key Economic Drivers
- ●University of Tennessee flagship campus with 30,000+ students and its research park operations
- ●Oak Ridge National Laboratory, the Department of Energy's largest science and energy lab
- ●Tennessee Valley Authority headquarters and regional operations center
- ●Pellissippi Parkway technology corridor linking UT, Oak Ridge, and suburban corporate campuses
Market Insight
Oak Ridge National Laboratory's role as a hub for advanced manufacturing, supercomputing, and nuclear research has attracted a cluster of defense contractors and tech firms to the Pellissippi Parkway corridor, creating a specialized submarket for R&D and secure-facility properties.
DSCR Loans in Knoxville, Tennessee
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Knoxville metro area, borrowers can access 42 lenders offering DSCR financing, including Maryville, Farragut, Oak Ridge, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Other Tennessee Cities
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