Southeast · Tennessee · Multifamily · First lien
Multifamily hard money loans in Chattanooga, TN.
First-position multifamily loans in Chattanooga, Tennessee (TN) — typically $1M–$5M, larger considered — for acquisitions, maturities, bridge and value-add plans. Reviewed and decided directly by the principals.
Stokley Intelligence · Updated September 2026
Multifamily Market Outlook 2026
A structured view of the developments shaping multifamily—and the situations those developments may create for owners, lenders and investors.
Chattanooga market context
The Chattanooga economy behind the collateral.
Chattanooga has diversified from its manufacturing roots into logistics, insurance, and technology, aided by its position at the junction of major interstates and rail lines.
Common funding needs include industrial site development tied to auto supply chains and redevelopment of downtown commercial buildings.
Economic anchors
- Volkswagen Chattanooga assembly plant
- BlueCross BlueShield of Tennessee headquarters
- Tennessee Valley Railroad
- Chattanooga State Community College
Multifamily underwriting
What we look at first.
- Trailing rent roll, collections and concessions
- Unit condition and the real cost of turns and deferred capex
- Expense load — insurance, taxes, payroll and utilities
- Submarket rents and competing new supply
- Sponsor's operating track record and management plan
Situations
Multifamily loans we see in Chattanooga.
- Floating-rate bridge loans maturing before the property is ready for agency debt
- Acquisitions of underperforming communities with a renovation plan
- Lease-up after a renovation or new delivery
- Partnership disputes that require a buyout
Selling a multifamily property in Tennessee? Stokley also buys real estate as a principal. Submit it for acquisition.
Hard money lending guidelines
Asset-based financing. We focus on the property's value and the owner's equity, not a credit score. Low credit does not rule out a request. Every deal is subject to underwriting.
- Annual rate
- From 11.5%
- Origination
- From 2% of the loan amount
- Term
- 6 to 12 months
- Payments
- Interest only
- Loan-to-value
- Up to 70%
- Lien position
- First position only
Third party closing costs are separate.
Every term sheet is different. Every deal goes through underwriting and has specific terms. These are guidelines, not a commitment to lend.
Request loan terms
Chattanooga, TN multifamily loan request.
Questions
Chattanooga, TN multifamily loans, answered.
- Does Stokley Capital make multifamily loans in Chattanooga, TN?
- Yes. We make first-position multifamily hard money and bridge loans in Chattanooga, Tennessee (TN), typically $1M–$5M, with larger loans considered.
- What drives the Chattanooga market?
- Chattanooga has diversified from its manufacturing roots into logistics, insurance, and technology, aided by its position at the junction of major interstates and rail lines.
- What should a Chattanooga multifamily loan request include?
- Property address, loan amount and purpose, current income and occupancy, existing debt, the business plan and the deadline. Rent rolls and operating statements help but are not needed for a first read.
- Are you a broker?
- No. Stokley Capital is a private real estate owner-operator that provides business-purpose loans. Decisions are made by the principals.
Nothing on this website is an offer to lend or a commitment of capital. All loans are subject to underwriting, due diligence, documentation and approval. Published lending guidelines are for general guidance only. Every deal goes through underwriting and has specific terms.
Next step
Financing multifamily in Chattanooga?
Send the property, amount and deadline. A principal will respond directly.