# Memphis Hard Money Lender | DSCR & Fix-Flip Loans | KREC *Hard money loans for Memphis real estate investors. Fix & flip, DSCR rental, bridge & construction financing with closings in as fast as 7 days. Call 619-369-4444.* ## Memphis Hard Money Lender Fast, flexible hard money loans for Memphis real estate investors. Fix & flip, DSCR, bridge, and construction financing across the Mid-South. 48 States We Lend In 7 Days Fastest Close Time 9.99% Rates Starting At 4.9/5 Client Rating ### Why Memphis Investors Choose Us Memphis is one of America's premier cash-flow markets — low entry prices and deep rental demand have made it a national hub for buy-and-hold investors. #### Investor-First Lending We lend on the deal, not your W-2. Asset-based underwriting means Memphis investors get answers in hours, not weeks. #### Fast Closings Close in as fast as 7 days. Our in-house underwriting means no delays — win deals other buyers can't. #### Personal Service Work with real humans, not algorithms. A dedicated account executive guides every Memphis deal from term sheet to closing table. ### Hard Money Loans for Memphis Investors Comprehensive financing solutions for every Memphis real estate investment strategy. #### Fix & Flip Loans Up to 90% LTC and 100% rehab financing for Memphis investment properties. Close in as fast as 7 days. #### DSCR Rental Loans No income verification. Qualify based on property cash flow — a great fit for Memphis's rental market. #### New Construction Ground-up construction financing for single-family and multi-unit projects throughout the Memphis area. #### Bridge Loans Quick bridge financing to acquire Memphis properties before your exit strategy is finalized. ### Serving the Entire Memphis Metro From East Memphis to the suburbs and across the state line into DeSoto County, we fund investment deals across the Mid-South. Plus all other Memphis-area communities. We lend in 48 states from our San Diego headquarters. #### Talk to Our Memphis Lending Team Lending in Memphis, TN 100% remote closings — no office visit required. Funded from our San Diego headquarters. Phone Hours Monday - Friday: 8am - 6pm PT Weekends: By Appointment ### Memphis Hard Money Loan FAQs Common questions from Memphis real estate investors. #### What areas of Memphis do you serve? We fund deals throughout the Memphis area including Germantown, Collierville, Bartlett, Cordova, Millington, Southaven, Olive Branch, Arlington, and all surrounding communities in Tennessee. #### How fast can you close on a Memphis property? We can close in as fast as 7 days for straightforward deals. Most Memphis transactions close within 10-14 days. #### Do you require Memphis real estate experience? No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Memphis investment. #### What are your rates for Memphis hard money loans? Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Memphis project. #### Do you fund DSCR loans in Memphis? Yes! We qualify based on property cash flow, not personal income — a strong fit for Memphis rental investors. ### Ready to Fund Your Memphis Investment? Get a free quote in minutes. Our team is standing by to help with your next Memphis real estate deal. Flexible, creative lending solutions to help real estate investors scale their portfolios. NMLS ID: #2676974 ##### Quick Links - [Home](https://keyrealestatecapital.com/) - [Loan Products](https://keyrealestatecapital.com/loan-products) - [Real Estate Lending](https://keyrealestatecapital.com/real-estate-lending) - [Answers](https://keyrealestatecapital.com/answers) - [Calculator](https://keyrealestatecapital.com/calculator) - [Recently Funded](https://keyrealestatecapital.com/deals) - [Blog](https://keyrealestatecapital.com/blog) - [About Us](https://keyrealestatecapital.com/about) - [Contact](https://keyrealestatecapital.com/contact) ##### Loan Products - [Fix & Flip](https://keyrealestatecapital.com/loan-products#fix-and-flip) - [Single Rental](https://keyrealestatecapital.com/loan-products#single-rental) - [New Construction](https://keyrealestatecapital.com/loan-products#new-construction) - [Rental Portfolio](https://keyrealestatecapital.com/loan-products#rental-portfolio) - [Bridge Loans](https://keyrealestatecapital.com/loan-products#bridge) - [Transactional Funding](https://keyrealestatecapital.com/loan-products/transactional-funding) ##### Contact Us - Phone [(619) 369-4444](tel:619-369-4444) - Email [lindsay@keyrealestatecapital.com](mailto:lindsay@keyrealestatecapital.com) - Office 401 W A St Ste 200 San Diego, CA 92101 ##### Markets We Serve © 2026 Key Real Estate Capital. All rights reserved. Service Hours: 24/7 | Monday - Sunday ## Business Information - **Name:** Key Real Estate Capital - Memphis - **Description:** Memphis hard money lender specializing in fix and flip loans, DSCR rental loans, bridge financing, and construction loans. - **Telephone:** +1-619-369-4444 - **Website:** https://keyrealestatecapital.com/locations/memphis - **Address:** 401 W A St Ste 200, San Diego, CA, 92101 ## Frequently Asked Questions ### What areas of Memphis do you serve? We fund deals throughout the Memphis area including Germantown, Collierville, Bartlett, Cordova, Millington, Southaven, Olive Branch, Arlington, and all surrounding communities in Tennessee. ### How fast can you close on a Memphis property? We can close in as fast as 7 days for straightforward deals. Most Memphis transactions close within 10-14 days. ### Do you require Memphis real estate experience? No. We work with first-time investors and experienced flippers alike. Our team can guide you through your first Memphis investment. ### What are your rates for Memphis hard money loans? Rates start at 9.99% depending on experience, property type, and loan-to-value. Contact us for a custom quote on your Memphis project. ### Do you fund DSCR loans in Memphis? Yes! We qualify based on property cash flow, not personal income — a strong fit for Memphis rental investors. ## Links - [Get a Free Quote](https://keyrealestatecapital.com/contact) - [Learn More](https://keyrealestatecapital.com/loan-products/fix-and-flip) - [Learn More](https://keyrealestatecapital.com/loan-products/single-rental) - [Learn More](https://keyrealestatecapital.com/loan-products/new-construction) - [Learn More](https://keyrealestatecapital.com/loan-products/bridge) - [Get Started Today](https://keyrealestatecapital.com/contact) - [San Diego](https://keyrealestatecapital.com/locations/san-diego) - [Phoenix](https://keyrealestatecapital.com/locations/phoenix) - [Dallas-Fort Worth](https://keyrealestatecapital.com/locations/dallas-fort-worth) - [Houston](https://keyrealestatecapital.com/locations/houston) - [Atlanta](https://keyrealestatecapital.com/locations/atlanta) - [Tampa](https://keyrealestatecapital.com/locations/tampa) - [Orlando](https://keyrealestatecapital.com/locations/orlando) - [Miami](https://keyrealestatecapital.com/locations/miami) - [Las Vegas](https://keyrealestatecapital.com/locations/las-vegas) - [Denver](https://keyrealestatecapital.com/locations/denver) - [Charlotte](https://keyrealestatecapital.com/locations/charlotte) - [Nashville](https://keyrealestatecapital.com/locations/nashville) - [Sacramento](https://keyrealestatecapital.com/locations/sacramento) - [Riverside](https://keyrealestatecapital.com/locations/riverside) - [Jacksonville](https://keyrealestatecapital.com/locations/jacksonville) - [San Antonio](https://keyrealestatecapital.com/locations/san-antonio) - [Columbus](https://keyrealestatecapital.com/locations/columbus) - [Indianapolis](https://keyrealestatecapital.com/locations/indianapolis) - [Kansas City](https://keyrealestatecapital.com/locations/kansas-city) - [Memphis](https://keyrealestatecapital.com/locations/memphis) - [Birmingham](https://keyrealestatecapital.com/locations/birmingham) - [Cleveland](https://keyrealestatecapital.com/locations/cleveland) - [Austin](https://keyrealestatecapital.com/locations/austin) - [Privacy Policy](https://keyrealestatecapital.com/privacy-policy) - [Terms & Conditions](https://keyrealestatecapital.com/terms-of-service) - [Anti-Spam Policy](https://keyrealestatecapital.com/anti-spam-email-policy) --- Canonical URL: https://keyrealestatecapital.com/locations/memphis Markdown URL: https://keyrealestatecapital.com/locations/memphis.md Agent overview: https://keyrealestatecapital.com/llms.txt Full reference: https://keyrealestatecapital.com/llms-full.txt Sitemap: https://keyrealestatecapital.com/sitemap.xml Related Key Real Estate Capital resources: - Loan programs: https://keyrealestatecapital.com/loan-products - Questions answered: https://keyrealestatecapital.com/answers - Loan calculator: https://keyrealestatecapital.com/calculator - Contact: https://keyrealestatecapital.com/contact Key Real Estate Capital — nationwide private capital lender. Contact: lindsay@keyrealestatecapital.com | SMS 619-376-1161