Arizona & Tennessee lenders
11 tracked lenders confirm they lend in Arizona and 12 confirm Tennessee (plus 3 and 1 more we’re watching). Look for the AZ TN tags.
DSCR lenders in Arizona · Hard money lenders in Arizona · DSCR lenders in Tennessee · Hard money lenders in Tennessee
The credit score filter hides lenders whose published minimum is above your score. Lenders that don't publish a minimum stay visible. A dash (—) means the lender doesn't publish that term on the pages we checked.
| Lender | Loan types | Min FICO | Max purchase LTV | Max cash-out LTV | Min DSCR | Loan size | STR | Foreign national | Coverage |
|---|---|---|---|---|---|---|---|---|---|
| 5th Street CapitalWholesale (broker-facing) | DSCR / rental | 660 | 85% | 80% | No-ratio option | $250K–$3.5M | Yes | Yes | — State not confirmed. Verify. |
| A&D MortgageDirect to investors | DSCR / rental | — | — | — | As low as 0 (no-ratio) | Up to $3M | Yes | Yes | — State not confirmed. Verify. |
| ABC Grand Inc.Not published | DSCR / rentalFix & flipBridge | 640as of September 1, 2026 | 75%as of October 5, 2026 | — | — | $25K–$750Kas of September 1, 2026 | — | — | — State not confirmed. Verify. |
| Active Funding GroupAZDirect to investors | Hard money | — | — | — | — | — | — | — | Confirms AZ State not confirmed. Verify. |
| Anchor LoansDirect to investors | Fix & flipBridge | — | — | — | — | — | — | — | Homepage: lending in 48 states. State not confirmed. Verify. |
| Angel Oak Mortgage SolutionsWholesale (through brokers) | DSCR / rental | 680 | 85% | — | Below 1.0 / no-DSCR options | $100K–$3M | Yes | Yes | — State not confirmed. Verify. |
| Archwest CapitalDirect to investors | Fix & flipBridge | 680 | 80% | 75% | — | $150K–$5M | — | — | Describes financing fix-and-flip projects nationwide. State not confirmed. Verify. |
| B.E. LendingAZTNDirect and wholesale | Fix & flipBridgeHard money | — | — | — | — | — | — | — | Confirms AZ, TN State not confirmed. Verify. |
| BridgePoint (bplending.com)Direct to investors | DSCR / rentalFix & flipBridge | — | — | — | — | — | — | — | 44 states + DC (specific states not listed in text). State not confirmed. Verify. |
| Builders CapitalDirect to investors | Bridge | — | — | — | — | — | — | — | Describes a nationwide presence. State not confirmed. Verify. |
| Capital Fund 1AZTNDirect and wholesale | DSCR / rentalFix & flipBridgeHard money | — | — | — | — | — | — | — | Confirms AZ, TN State not confirmed. Verify. |
| Capital Funding FinancialDirect to investors | DSCR / rentalFix & flipBridgeHard money | 660 | 80% | — | 0.75x | $200K–$10M | — | Yes | — State not confirmed. Verify. |
| Center Street LendingDirect to investors | Fix & flipBridge | 650 | 80% | — | — | $200K–$10M | — | — | States 'lending throughout the United States'; other states … State not confirmed. Verify. |
| Civic Financial ServicesDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | 75% | — | $50K–$3M | — | Yes | — State not confirmed. Verify. |
| Cogo CapitalDirect to investors | Fix & flipHard moneyDSCR / rental | 600 | 80% | — | — | $50K–$3M | — | — | Says it serves investors across America. State not confirmed. Verify. |
| CoreVest FinanceDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | — | 0.8x | From $75K | Yes | — | — State not confirmed. Verify. |
| CV3 FinancialDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | 80% | Minimal DSCR requirements | $75K–$5M | — | — | — State not confirmed. Verify. |
| Defy MortgageTNDirect to investors | DSCR / rental | 640 | 85% | 80% | 0.75x | — | — | Yes | 40 states State not confirmed. Verify. |
| Dominion Financial ServicesAZTNDirect to investors | DSCR / rentalBridge | 640 | 80% | — | — | — | Yes | — | All 50 + DC State not confirmed. Verify. |
| Easy Street CapitalDirect to investors | DSCR / rentalFix & flipBridge | 600 | — | — | No minimum | $75K–$5M | Yes | — | DSCR in 48 states. Fix-and-flip excludes LA, MN, ND, SD and … State not confirmed. Verify. |
| Express Capital FinancingDirect to investors | DSCR / rentalFix & flip | 600 | 85% | 75% | 1.0x (no-DSCR option) | $50K–$3M | Yes | Yes | DSCR nationwide. Fix-and-flip nationwide except ND, SD, NV, … State not confirmed. Verify. |
| Griffin FundingAZTNDirect to investors | DSCR / rental | 620 | 85% | 80% | No minimum | $100K–$4.5M | Yes | Yes | All 50 + DC State not confirmed. Verify. |
| Hard Money BankersDirect to investors | Fix & flipBridgeHard money | — | — | — | — | — | — | — | — State not confirmed. Verify. |
| Hilton Financial CorporationAZTNNot published | Fix & flipBridgeHard money | — | 69%as of October 13, 2026 | — | — | — | — | — | 7 states State not confirmed. Verify. |
| HomeAbroadMortgage company focused on foreign nationals | DSCR / rental | — | 75% | 70% | 0.75x | From $100K | Yes | Yes | — State not confirmed. Verify. |
| HouseMax FundingDirect to investors | Fix & flipBridgeDSCR / rentalHard money | 640 | — | — | — | From $85K | — | — | Describes nationwide lending. State not confirmed. Verify. |
| KiaviDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | — | 0.8x | $75K–$5M | — | — | Homepage states lending in 49 states + DC (excluded state no… State not confirmed. Verify. |
| LendingOneAZTNDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | 75% | 0.75x | $85K–$3M | Yes | — | 47 states State not confirmed. Verify. |
| Lima One CapitalAZTNDirect to investors | DSCR / rentalFix & flipBridge | — | 80% | 75% | 1x | $100K–$5M | Yes | — | 47 states State not confirmed. Verify. |
| Longleaf LendingAZTNDirect to investors | DSCR / rentalFix & flipBridge | 640 | 80% | — | Typically >1.0 | $75K–$2M | Yes | — | All 50 + DC State not confirmed. Verify. |
| New SilverAZTNDirect to investors | DSCR / rentalFix & flip | 650 | 80% | — | 0.75x | $100K–$5M | Yes | — | All 50 + DC State not confirmed. Verify. |
| NewfiDirect to investors | DSCR / rental | 640 | 80% | 80% | 0.75x | — | Yes | — | — State not confirmed. Verify. |
| Noble MortgageDirect to investors | Fix & flipHard money | 650 | — | — | — | $50K–$2M | — | — | — State not confirmed. Verify. |
| Park Place FinanceDirect to investors | DSCR / rentalFix & flipBridge | 660 | 85% | 75% | 0.75x | $100K–$5M | Yes | — | Lends in 46 states (specific states not listed in text). State not confirmed. Verify. |
| Rain City CapitalAZTNDirect to investors | DSCR / rentalFix & flipHard money | — | — | — | — | — | — | — | Confirms AZ, TN State not confirmed. Verify. |
| RCN CapitalDirect to investors | DSCR / rentalFix & flipBridge | 650 | 80% | 75% | 1x | $70K–$3M | — | — | Describes itself as a nationwide private, direct lender. State not confirmed. Verify. |
| Rehab Financial GroupTNDirect to investors | Fix & flipHard moneyDSCR / rental | 640 | — | 75% | — | $100K–$1.25M | — | — | 18 states State not confirmed. Verify. |
| Roc CapitalDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | 75% | — | $50K–$3M | — | Yes | — State not confirmed. Verify. |
| SharestatesDirect and wholesale | DSCR / rentalFix & flipBridge | — | — | — | — | — | — | — | — State not confirmed. Verify. |
| Socotra CapitalDirect to investors | Fix & flipBridgeHard money | — | — | — | — | $100K–$20M | — | — | — State not confirmed. Verify. |
| Stratton EquitiesDirect to investors | DSCR / rentalFix & flipBridgeHard money | 600 | 85% | — | — | $100K–$5M | — | Yes | Describes itself as a nationwide private money and non-QM le… State not confirmed. Verify. |
| Temple View CapitalDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | — | 0.75x | $55K–$6M | Yes | Yes | Describes nationwide lending. State not confirmed. Verify. |
| theLenderDirect to investors | DSCR / rental | — | — | — | — | $100K–$3.5M | Yes | — | Homepage: licensed in 48 states. State not confirmed. Verify. |
| Truss Financial GroupDirect to investors | DSCR / rentalFix & flipBridge | 620 | — | — | — | — | — | — | — State not confirmed. Verify. |
| UprightDirect to investors | DSCR / rentalFix & flipBridge | 660 | 80% | 75% | 0.9x | $100K–$3M | Yes | — | — State not confirmed. Verify. |
| VasterDirect to investors | BridgeHard moneyDSCR / rental | — | 65% | — | No DSCR ratio option | — | — | Yes | FL, NY State not confirmed. Verify. |
| Velocity Mortgage CapitalWholesale (through brokers) | DSCR / rentalBridge | — | — | — | — | — | — | Yes | — State not confirmed. Verify. |
| Visio LendingDirect to investors | DSCR / rental | 680 | 85% | — | — | — | Yes | No | Describes nationwide DSCR lending. State not confirmed. Verify. |
Click a column header to sort. Blank values sort last. “as of” dates show when a figure came from a dated lender email.
13 more lenders we’re watching
These lenders exist and offer the loan types shown (we checked their websites), but haven’t published terms we can show yet. We don’t show any terms for them. Contact them directly for pricing.
- A & A Funding Corp.AZ Hard money, Bridge
- Arixa Capital Bridge
- Boomerang Capital PartnersAZTN Fix & flip, Hard money
- Brenance Fix & flip, Bridge, Hard money
- Deephaven Mortgage DSCR / rental
- Enact Partners Bridge, Hard money
- Indicate Capital Fix & flip, Bridge, Hard money
- JSS Financial Fix & flip, Bridge, Hard money
- LRL Financial Bridge
- Merchants Funding DSCR / rental, Fix & flip, Hard money
- Orion Lending DSCR / rental
- Phoenix Hard MoneyAZ Fix & flip, Hard money
- Revolution Realty Capital (RevCap) DSCR / rental, Fix & flip, Bridge
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