Private Lending Solutions for Tennessee Real Estate Investors
Fast, Flexible, and Reliable Financing Options
RoseRock
Private Lending Solutions for Tennessee Real Estate Investors
Real estate opportunities don't always wait for traditional financing. RoseRock Capital Fund provides fast, flexible private lending lending for real estate investors and developers who need access to capital without the lengthy process that can come with a conventional bank loan. It's financing by investors, for investors, with a process built around the realities of real estate.
RoseRock Capital Fund is actively lending in Tennessee, with financing available for qualified projects throughout the state. From Nashville and Knoxville to Chattanooga and other growing communities, our team understands the opportunities shaping Tennessee's real estate market and the different factors that can influence a deal from one part of the state to another.
Tennessee continues to attract new businesses, development and investment, with companies including Oracle, Starbucks and In-N-Out Burger expanding their presence in the state. Combined with established industries throughout Nashville, Knoxville, Chattanooga and Memphis, that continued growth is creating new opportunities for real estate investors and developers who need a lender that can move when the right deal comes along.
Tennessee Lending Services
Bridge Loans
When there's a gap between where your project stands today and where it needs to go next, a bridge loan can provide the short-term capital needed to keep things moving.
RoseRock offers bridge loans in Tennessee for qualified real estate projects, including acquisitions, refinancing and other time-sensitive funding needs. Our loans are structured around the property and the deal, giving experienced investors another option when timing, flexibility or the slower approval process of traditional financing becomes an issue.
Land Loans
Land deals can come with their own set of challenges, especially when you're working with entitlement, pre-construction or development timelines.
RoseRock provides land loans in Tennessee for qualified developers and investors, including financing for land acquisition and cash-out refinancing. We look at the project as a whole and work to structure financing that makes sense for the property, the borrower and the next phase of the investment.
DSCR Loans
For income-producing properties with established cash flow, a DSCR loan can provide access to capital based largely on the property's ability to generate income.
RoseRock offers DSCR loans in Tennessee for qualified revenue-generating properties, including apartments, retail, multi-tenant properties and other income-producing real estate with established cash flow. These loans can be a good fit for experienced investors looking to pull capital from a property with strong equity without relying on the longer process of traditional bank financing. With longer-term options available, DSCR financing can also provide additional flexibility for investments that need more time.
Benefits of Funding with RoseRock Capital Fund in Tennessee
Fast Approvals and Funding
Real estate can move quickly, and your lender should be able to keep up. RoseRock's streamlined process allows us to review qualified deals without the lengthy approval process often associated with traditional banks.
When the details line up, our team works quickly to move your project from application to approval and funding, helping you stay on schedule and take advantage of opportunities when they happen.
Loan Terms
Every real estate investment comes with its own timeline, property and financing needs. RoseRock offers straightforward loan terms designed to give experienced investors and developers the capital and flexibility they need to move their projects forward.
Our team reviews each deal individually and provides a clear breakdown of the loan structure, rates, fees and terms, so you know what to expect before moving forward.
Focused Tennessee Market Knowledge
Tennessee isn't one single real estate market. Nashville's corporate and entertainment economy creates a very different investment environment from Chattanooga's manufacturing and growing clean-energy sector, including continued investment in battery technology. Knoxville brings its own mix of development and economic activity, with the University of Tennessee playing an important role in the local market.
RoseRock understands that those differences matter when evaluating a real estate investment. Our knowledge of the Tennessee market helps us look at each opportunity based on the property, location and project itself rather than trying to fit every borrower into the same box.
Experienced Private Lending Professionals
RoseRock was built by real estate investors who understand what it's like to be on the other side of the lending process.
Brett Lamm and the RoseRock team bring hands-on real estate and private lending experience to every deal. You'll work directly with professionals who understand the importance of clear communication, realistic timelines and finding a path forward when a deal doesn't fit neatly into a traditional lending model.
Our Private Lending Process
Our streamlined lending process ensures you can secure funding quickly and efficiently. Here’s how it works:
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1. Application
Submit your loan request through our simple online form or contact our team directly. -
2. Review
Our team will evaluate your investment and offer terms based on your project needs. -
3. Approval
Once approved, you’ll receive a clear breakdown of your loan structure, fees, and terms. -
4. Funding
After accepting the loan terms, we work efficiently to deliver funding, so you can stay focused on your investment. -
5. Closing
Complete the deal with confidence, knowing RoseRock Capital Fund has supported you every step of the way.
Do you Qualify?
RoseRock works with experienced real estate investors and developers on qualified projects starting at $1,000,000. While every deal is reviewed individually, our general lending requirements include:
- Minimum loan amount: $1,000,000
- First lien position
- Personal recourse
- Full documentation
- Full appraisal required
- Non-judicial foreclosure states
Terms
| Term | LTV | Interest | Points | |
|---|---|---|---|---|
| Commercial Bridge | Term: Up to 12 months | LTV: Up to 65% | Interest: 8 - 14% | Points: 2% |
| Land Acquisition | Term: Up to 12 months | LTV: Up to 65% | Interest: 8 - 14% | Points: 2% |
| Land Refinance | Term: Up to 12 months | LTV: Up to 55% | Interest: 8 - 14% | Points: 2% |
| DSCR | Term: Up to 24 months | LTV: Up to 65% | Interest: 8 - 12% | Points: 2% |
Frequently Asked Questions
Are you actively lending in Tennessee?
Do you lend throughout Tennessee, or just certain areas?
What is the minimum loan amount?
What type of properties do you lend on?
How quickly can I get funding?
What is the interest rate range for your loans?
Do I need to have perfect credit to get a loan?
What is a DSCR loan?
Lending Service Area
Tennessee's mix of corporate investment, manufacturing, entertainment, logistics and higher education continues to create opportunities across the state's major real estate markets. Nashville has become a major corporate and entertainment center, while Chattanooga continues to build on its manufacturing base and growing clean-energy and battery-technology industries. Knoxville's economy is influenced in part by the University of Tennessee, while Nashville and Memphis serve as important logistics hubs with access to a large portion of the country's population within a day's drive.
The state is also home to major employers and corporate headquarters, including Nissan North America in Franklin, Bridgestone Americas in Nashville and FedEx in Memphis. Combined with Tennessee's lack of a state individual income tax and continued corporate investment, these economic drivers are helping support development and real estate activity throughout the state.
RoseRock Capital Fund is actively lending across Tennessee. Whether you're financing a land acquisition, bridging the gap between transactions or looking for financing for an income-producing property, contact RoseRock Capital Fund to discuss your private lending needs and available financing options.