BRIDGE LOANS · Tennessee (TN) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Tennessee Real Estate Bridge Loans (1–4 Unit, 5–25+ Unit Multifamily & Commercial) — 2026 Rates, LTV Caps & State Rules

Tennessee Bridge Loans provide business-purpose real estate investors with Up to 80% LTV Acquisition / 75% Bridge Cash-Out across loan amounts from $100,000 – $15,000,000+ at 8.75% – 10.99% Interest-Only (12, 24 & 36 Months (With Extension Options), 640+ FICO min FICO, 10 – 15 Business Days close). In Tennessee (TN), lenders underwrite to a Non-Judicial (Deed of Trust — 21-Day Publication) statutory framework (40–55 days-day average timeline), a 0.64% average property tax rate (~$195/mo at the $365,000 state median), and $580/$100K hazard insurance (~$176/mo).

Max Leverage / LTC
Up to 80% LTV Acquisition / 75% Bridge Cash-Out
Min FICO: 640+ FICO
2026 Rate Band
8.75% – 10.99% Interest-Only
12, 24 & 36 Months (With Extension Options)
TN Security Instrument
Non-Judicial (Deed of Trust — 21-Day Publication)
40–55 days days avg timeline
TN Avg Tax & Ins
0.64% Tax
$580/$100K Hazard Ins

Tennessee County-Level Property Tax & Insurance Hubs (4)

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Tennessee Bridge Loans (2026) — Up to 80% LTV Acquisition / 75% Bridge Cash-Out, 8.75% – 10.99% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach