What Is a DSCR Loan and How Does It Work?
DSCR loans let you qualify based on rental income, not your W-2. Here’s everything you need to know before applying.
Memphis cash flow, Nashville growth, statewide demand.
Tennessee is one of the most in-demand investor states in the country. Memphis is a national cash-flow market with deep rental inventory, Nashville brings appreciation and new-build energy, and Chattanooga and Knoxville offer balanced mid-size plays — all in a state with no personal income tax. We lend statewide.

Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.
Where Pimlico Capital has an active book and on-the-ground knowledge in Tennessee.
Raleigh, Berclair, Whitehaven, Frayser, Parkway Village. Rent-to-price ratios among the strongest of any major U.S. metro.
East Nashville, Madison, Antioch, and the surrounding counties: flips, BRRRR, and build-to-rent.
Balanced mid-size markets with steady rental demand and reasonable entry prices.
Fort Campbell demand and one of Tennessee's fastest-growing metros.
A non-exhaustive list of the state- and city-specific things we deal with every day.
A national lender with a call center won't know that a Baltimore rowhouse needs a ground-rent redemption, or that Charleston STR zoning has three tiers. We've closed thousands of deals — and we've hit (and learned from) every local curveball.
Get a quote online or call us. We'll size the deal in 24 hours.
Our in-house team underwrites with local knowledge, not a scoring algorithm.
5–10 business days for bridge, 3–4 weeks for 30-year rental.
Financing guides and deal breakdowns from our lending team. Browse every market we serve on our Where We Lend page.
DSCR loans let you qualify based on rental income, not your W-2. Here’s everything you need to know before applying.
Your exit matters as much as your entry. Here’s how to pick the right bridge-loan exit before you even close.
Buy, Rehab, Rent, Refinance, Repeat. We’ve financed thousands of BRRRRs. Here’s what actually works.
55+ investor guides covering DSCR, bridge loans, fix-and-flip, BRRRR, market updates, and more.
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