Nashville Money Guys is a hard money lender specializing in fix-and-flip and bridge loans for real estate investors, offering fast closings in 10 days or less with creative funding solutions.
Data compiled from public sources · Rating from CreditDoc methodology
Nashville Money Guys was founded by three experienced real estate investors—Jason Dodge, Brandon Rumbley, and Brandon McDonald—who partnered in 2009 after building successful track records in real estate development and investment. Jason manages over $16 million in assets as CFO of Urban Dwell Homes; Brandon Rumbley has completed hundreds of deals and specializes in tax-advantaged strategies; and Brandon McDonald is a licensed general contractor with nearly 300 deals completed. The company positions itself as a private hard money lender rather than a traditional bank, targeting real estate investors who need quick capital for time-sensitive deals.
Nashville Money Guys offers two primary loan programs: Fix and Flip Loans for property rehabilitation and resale, and Bridge Loans for interim financing needs. They advertise fast funding (10 days or less), straightforward applications with minimal paperwork, competitive rates, and the ability to structure creative solutions including non-recourse lending for IRAs and lease-option arrangements. Their website includes a mortgage calculator and pre-approval letter tools. The company serves investors across Tennessee and Georgia, with testimonials mentioning loans for properties in bankruptcy, title disputes, and off-market deals.
What distinguishes Nashville Money Guys is the deep operational experience of its founders in real estate investing itself—they are not just lenders but active real estate operators who manage hundreds of rental units and complete 15-20 new construction builds annually. This background allows them to structure non-standard deals, work through title complications, and understand investor tax strategies. Testimonials highlight their willingness to extend loans when circumstances change and craft deal structures (like keeping owner financing in place) to reduce borrower costs. The company emphasizes transparency and positioning as "long-term financial partners" rather than transactional lenders.
However, hard money loans typically carry higher interest rates and fees than traditional bank financing, shorter repayment terms, and require substantial equity in the property. The website does not disclose specific rates, fees, loan terms, or maximum loan amounts. This is a specialized lending product designed for real estate professionals, not consumers seeking personal or small-business financing. Borrowers should expect rates and terms significantly less favorable than conventional mortgages or SBA loans, and this is suitable only for investors with real estate expertise and deals that justify the premium cost of speed and flexibility.
Yes. Nashville Money Guys is a registered company, headquartered in Nashville, TN.
Results vary by individual situation. Contact the provider to discuss expected timelines for your specific needs.
CreditDoc Diagnosis
Nashville Money Guys is best suited for experienced real estate investors seeking fast, flexible hard money financing for fix-and-flip or bridge loans. The main caveat is that hard money carries substantially higher costs (rates and fees not disclosed on website) than conventional financing and is appropriate only when speed and flexibility justify the premium—typically for time-sensitive or non-standard deals that traditional lenders won't approve. This is not a general-purpose business lender and unsuitable for most small business financing needs.
Local Chicago hard money lender specializing in real estate investor loans secured by property, with fast underwriting and in-person property evaluation.
Best for: Real estate investors needing fast financing for investment property acquisitions or renovations in Chicagoland, Property flippers or developers seeking bridge loans with flexible terms and rapid approval
Savvy Loans offers small emergency loans up to $1,500 in Texas with same-day approval and funding within 3 business days through an online application.
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Western Finance offers personal installment loans, merchandise financing, and tax preparation services at multiple Texas locations. Serves customers seeking flexible borrowing options for various needs.
Best for: Texans needing small emergency loans under $2,000 who prefer in-person service and quick approval, Customers with fair or poor credit seeking installment loan alternatives to payday loans
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Read guide →New to credit and lending? Here are the key terms used on this page, explained in plain language with real-number examples.
The total yearly cost of borrowing money, including the interest rate plus any fees the lender charges. Think of it as the 'true price tag' on a loan.
Lenders must show APR by law (Truth in Lending Act) because the interest rate alone can hide fees. Comparing APR across lenders is the most reliable way to find the cheapest loan.
Example
You borrow $10,000 at 6% interest for 3 years, but there's a $300 origination fee. The interest rate is 6%, but the APR is 6.9% because it includes that fee. You'd pay $304/month and $946 total in interest.
The percentage a lender charges you for borrowing their money, calculated on the amount you still owe. It's the lender's profit for taking the risk of lending to you.
Even a 1% difference in interest rate can cost you thousands over a loan's life. Lower rates mean less money out of your pocket.
Example
On a $20,000 car loan for 5 years: at 5% you pay $2,645 in interest. At 8% you pay $4,332. That 3% difference costs you $1,687 extra.
A person who agrees to repay your loan if you can't. They're equally responsible for the debt, and their credit is affected by your payment behavior.
Cosigning helps people with thin credit get approved or get better rates. But it's a huge risk for the cosigner — they're on the hook for the full amount if you default.
Example
A parent cosigns their child's $30,000 student loan. The child stops paying after 6 months. The parent is now legally required to make the payments or face collections, lawsuits, and credit damage.
How long you have to repay the loan, measured in months or years. A shorter term means higher monthly payments but less total interest paid.
Longer terms feel more affordable monthly but cost much more overall. A 30-year mortgage costs almost double in interest compared to a 15-year mortgage on the same amount.
Example
Borrowing $200,000 at 6.5%: A 15-year term costs $1,742/month ($113,561 total interest). A 30-year term costs $1,264/month ($255,088 total interest). You save $141,527 with the shorter term.
A one-time fee the lender charges to process and set up your loan. It covers their costs for underwriting, verifying your information, and preparing paperwork.
Origination fees are usually 1-8% of the loan amount and are often deducted from your loan proceeds — so you receive less than you borrowed.
Example
You're approved for a $10,000 personal loan with a 5% origination fee. The lender deducts $500 upfront, so you receive $9,500 in your bank account but owe $10,000 plus interest.
The original amount of money you borrowed, before any interest or fees are added. It's the 'real' amount of your debt.
Your interest is calculated on the principal. Paying extra toward principal (not just interest) is the fastest way to reduce your total cost and pay off a loan early.
Example
You borrow $25,000 for a car. That $25,000 is your principal. Your first payment of $450 might split as $150 toward interest and $300 toward principal, bringing your balance to $24,700.
The process where a lender evaluates your finances — income, debts, credit history, assets — to decide whether to approve your loan and at what rate.
Understanding what underwriters look for helps you prepare a stronger application. They check your DTI ratio, employment stability, credit score, and the asset's value.
Example
You apply for a mortgage. The underwriter reviews your pay stubs (income), bank statements (savings), credit report (history), and orders an appraisal (home value). This takes 2-4 weeks.
Want to learn more? Read our Financial Wellness Guides for in-depth explanations and practical advice.
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