COMMERCIAL PROPERTY · Tennessee (TN) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Tennessee Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office) — 2026 Rates, LTV Caps & State Rules

Tennessee Commercial Property provide business-purpose real estate investors with Up to 75% LTV across loan amounts from $100,000 – $15,000,000+ at 6.875% – 8.99% (25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE, 660+ FICO min FICO, 21 – 30 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 75% LTV
Min FICO: 660+ FICO
2026 Rate Band
6.875% – 8.99%
25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE
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 Commercial Property (2026) — Up to 75% LTV, 6.875% – 8.99% | Stephen R. Mannenbach | Stephen Mannenbach