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

Tennessee Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Tennessee Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 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 / 85% LTC
Min FICO: Flexible Credit / Equity-Driven
2026 Rate Band
8.99% – 11.25% Interest-Only
6 to 36 Months Interest-Only
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 Private Money Loans (2026) — Up to 80% LTV / 85% LTC, 8.99% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach