Investor and home loans across Tennessee

How the seven counties differ

Each county grows and builds differently, and that changes the deal. Williamson County, home to Franklin, Cool Springs, Brentwood, Nolensville and Thompson's Station, has about 272,000 people, up about a tenth since 2020. New housing permits there fell from 2,980 units in 2021 to 1,621 units in 2025. Its housing runs from newer planned communities to established resales, and investors look at infill lots, renovations and, for business purposes only, small apartment and mixed-use buildings. Nolensville and Thompson's Station have the newest housing on our pages, with about six in ten and two in three homes built in 2010 or later.

Maury County is up about a sixth since 2020, to about 118,000 people, second only to Wilson County among the seven counties on our pages. Columbia is its county seat, with the oldest median build year on our pages and one of the largest shares of duplexes to fourplexes. Spring Hill straddles the Maury and Williamson county line, and nearly half its homes were built in 2010 or later, so new construction, builder contracts and new-build rentals are the main topics on that page.

Davidson County has about 746,000 people under Nashville's combined metro government, and the county as a whole grew more slowly, by about 4 percent. Nashville's homes have the second-oldest median build year of the markets we cover, after Columbia's, and roughly one home in three sits in a building with five or more units. Condo purchases include a project review, which we handle with you, and investors can look at duplex, apartment and mixed-use property on a business-purpose basis.

Rutherford County has about 386,000 people, up about an eighth since 2020. Murfreesboro is its county seat and home to Middle Tennessee State University, and nearly one household in two in the city rents. Single-family rentals, two-to-four unit property and, for business purposes only, apartment buildings are all part of its housing stock. Next door, Smyrna has been home to Nissan's assembly plant since 1983, and La Vergne is mostly single-family homes, with an industrial park planned on the former Bridgestone site.

North and east of Nashville, Sumner County has about 216,000 people, up about a tenth since 2020, with Hendersonville and Gallatin on Old Hickory Lake. Wilson County has grown the most of the seven, up about 18 percent to about 175,000, and its seat, Lebanon, is up close to 40 percent. Montgomery County, home to Clarksville, has about 250,000 people, up about 14 percent. Whichever county you pick, our loan programs stay the same; what shifts is the property, the housing mix and the opening in each deal.

What sets each market apart

The loan programs are the same everywhere we work. The housing, and the opening it creates, is not.

• Franklin: older in-town homes near the Main Street district sit beside planned communities, and more than 13,000 approved housing units are still to be built.
• Cool Springs: more than four in ten homes are in larger buildings, and the Galleria area alone has approval for 600 more apartments.
• Brentwood: large lots and a median home value above $1 million make jumbo financing common.
• Spring Hill: the city crosses the Maury and Williamson county line, and nearly half its homes went up in 2010 or later.
• Nashville: the widest housing mix of our Tennessee markets, from older homes and duplexes to apartment buildings, and roughly one household in two rents.
• Murfreesboro: close to half of households rent, and about a third of homes are in buildings with five or more units.
• Nolensville: about six in ten homes were built in 2010 or later, and nearly all are single-family houses.
• Thompson's Station: up about 27 percent since 2020, with townhomes at nearly four times the state's share.
• Columbia: the oldest median build year on our pages and one of the largest shares of duplexes to fourplexes, a natural fit for flips and small rentals.
• Smyrna: home to Nissan's first U.S. plant since 1983, with a mix of subdivisions, townhomes and apartment buildings.
• La Vergne: about four in five homes are single-family houses, with values close to the state median.
• Hendersonville: more than 26 miles of Old Hickory Lake shoreline, and a housing stock centered on the 1970s through the 1990s.
• Gallatin: about a quarter of homes in apartment buildings and four in ten built since 2010.
• Mt. Juliet: the median house dates to 2006, and only about one home in thirty predates 1970.
• Lebanon: up close to 40 percent since 2020, the largest percentage growth on our pages.
• Clarksville: Tennessee's fifth-largest city, with the lowest median home value on our pages and more than two in five households renting.

How we work across Tennessee

You don't need to visit an office. Start with a booked call or a text, send documents through a secure portal, and e-sign most steps. Closings happen with a title company near the property.

Investor loans (DSCR, fix and flip, bridge, ground-up construction, and 5+ unit or commercial property on select programs) are business-purpose loans on non-owner-occupied property. Home loans (conventional, FHA, VA, jumbo and non-QM) are for homes you'll live in.

Home loans are offered only in states where Iron Hill Mortgage is licensed. Check our licensing page or NMLS Consumer Access for where we're licensed. Iron Hill Mortgage is a private company. We are not a government agency, and we are not endorsed by HUD, the FHA or the U.S. Department of Veterans Affairs.