# Gatlinburg Hard Money Loans

> DSCR rental loans and hard money for Gatlinburg and Smoky Mountain real estate investors. The Smoky Mountain division of Optimus Capital Corp. Business-purpose loans on non-owner-occupied investment property only.

Gatlinburg Hard Money Loans lends to real estate investors in Gatlinburg, Pigeon Forge, Sevierville and across Tennessee. The team is Andrew Shanti (Senior Vice President) and Collin Cook (Senior Account Executive). Phone (954) 598-4564. Email andrew@optimuscapitalcorp.com.

Key terms: DSCR rental loans up to 85% loan-to-value to purchase and 80% on a cash-out refinance, qualified on rental income including short-term (Airbnb, VRBO) income, with no tax returns or employment check. Ground-up construction loans up to 90% of cost for experienced builders. Fix and flip loans up to 90% of purchase and 100% of rehab at a 720+ credit score. Minimum credit score 600. Loan amounts from $75,000 to more than $10 million. Rental loans close in about 30 days; fix and flip loans average up to 21 days and can close in about 7 days.

## Loan programs
- [Investment Property Loans in Gatlinburg](https://gatlinburghardmoneyloans.com/investment-property-loans-gatlinburg/): non-owner-occupied lending and how to choose a lender
- [DSCR Rental Loans](https://gatlinburghardmoneyloans.com/dscr-rental-loans/): rental cabins, condos and long-term rentals
- [Ground-Up Construction Loans](https://gatlinburghardmoneyloans.com/new-construction-loans/): ground-up cabin and home construction
- [Fix and Flip Loans](https://gatlinburghardmoneyloans.com/fix-and-flip-loans/): purchase and renovation bridge loans
- [Hard Money Loan Programs](https://gatlinburghardmoneyloans.com/hard-money-loan-programs/): all six programs compared

## Company
- [About Gatlinburg Hard Money Loans](https://gatlinburghardmoneyloans.com/about-us/)
- [Hard Money and DSCR Loan FAQ](https://gatlinburghardmoneyloans.com/faq/)
- [Contact](https://gatlinburghardmoneyloans.com/contact/)

## Markets
- [Areas We Serve](https://gatlinburghardmoneyloans.com/areas-we-serve/)
- [Hard Money Loans in Gatlinburg, TN](https://gatlinburghardmoneyloans.com/gatlinburg-tn/)
- [Hard Money Loans in Pigeon Forge, TN](https://gatlinburghardmoneyloans.com/pigeon-forge-tn/)
- [Hard Money Loans in Sevierville, TN](https://gatlinburghardmoneyloans.com/sevierville-tn/)
- [Hard Money Loans in Wears Valley, TN](https://gatlinburghardmoneyloans.com/wears-valley-tn/)
- [Hard Money Loans in Townsend, TN](https://gatlinburghardmoneyloans.com/townsend-tn/)
- [Hard Money Loans in Knoxville, TN](https://gatlinburghardmoneyloans.com/knoxville-tn/)
- [Hard Money Loans in Chattanooga, TN](https://gatlinburghardmoneyloans.com/chattanooga-tn/)
- [Hard Money Loans in Nashville, TN](https://gatlinburghardmoneyloans.com/nashville-tn/)

## Guides
- [DSCR Loans for Smoky Mountain Cabins: How They Work](https://gatlinburghardmoneyloans.com/dscr-loans-smoky-mountain-cabins/): A DSCR loan approves a rental cabin on the income it produces. How the ratio is calculated for a cabin rented by the night, what counts in the payment in Sevier County, and how to apply.
- [Short-Term Rental Permits in Gatlinburg, Pigeon Forge, Sevierville and Sevier County](https://gatlinburghardmoneyloans.com/short-term-rental-permits-sevier-county/): Four jurisdictions, four sets of rules. What a cabin investor should confirm about permits, zoning and fire inspections before buying, and why a lender cares.
- [Sevier County Property Tax on Rental Cabins and What It Does to Your DSCR](https://gatlinburghardmoneyloans.com/sevier-county-property-tax-rental-cabins/): Sevier County taxes most short-term rental cabins at the commercial assessment ratio. What that means for the tax bill, the monthly payment and the size of the loan.
- [Cash-Out Refinancing a Smoky Mountain Rental Cabin](https://gatlinburghardmoneyloans.com/cash-out-refinance-smoky-mountain-cabin/): How investors pull equity out of a rental cabin to buy the next one: loan-to-value limits, how the cabin’s income is counted, and what to have ready.
- [Building a Rental Cabin in Sevier County: Financing and Planning](https://gatlinburghardmoneyloans.com/building-a-rental-cabin-sevier-county/): What to settle before you buy a lot, how a construction loan is sized, and how the loan converts to long-term financing when the cabin starts taking bookings.
- [A First-Time Investor’s Guide to Buying a Gatlinburg Rental Cabin](https://gatlinburghardmoneyloans.com/first-time-cabin-investor-guide/): Buying your first rental cabin in the Smokies: what drives income, the costs first-time buyers miss, how the financing works and the order to do things in.
- [Hard Money Loan Document Checklist](https://gatlinburghardmoneyloans.com/hard-money-loans-document-list/): What to gather for a rental (DSCR) loan, a new construction loan and a fix and flip loan, divided into one-time documents and documents for each deal.

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