Finance Your Rental Portfolio With Confidence
DSCR loans, LLC borrower programs, and nontraditional investor financing — structured for how real estate investors actually operate. Serving investors throughout Tennessee and beyond.
Morgan Hardy · NMLS #1906208 · Knoxville, Tennessee
Morgan Hardy
NMLS #1906208 · Investor Mortgage Specialist
The Financing Structures Your Portfolio Actually Needs
DSCR Loans
Qualify on rental income, not personal tax returns. Ideal for self-employed investors and those with complex income.
Cash-Out Refinancing
Access equity in existing rentals to fund acquisitions, improvements, or portfolio expansion.
Short-Term Rental Financing
Financing for Airbnb, VRBO, and other short-term rental properties using market rent or actual STR income.
LLC & Entity Borrowing
Borrow in your LLC or other entity without triggering a personal qualification requirement on every loan.
Portfolio & Blanket Loans
Finance multiple properties under a single loan structure — simplify your balance sheet and scale faster.
Built for Investors, Not W-2 Borrowers
Investor Focus, Grounded in the Real World
Morgan has personally performed multiple fix-and-flip transactions in Oak Ridge, TN, where he holds a medium-term rental as well as a long-term rental. Every conversation is oriented around real-life experience in rental and investment property.
DSCR & Non-QM Expertise
Most mortgage brokers treat DSCR loans as an afterthought. Morgan has built a practice around them — understanding the nuances of coverage ratios, property types, and lender overlays that determine whether a deal closes.
Multi-State Lending
Based in Knoxville, Tennessee, but licensed to work with investors across multiple states. Whether your portfolio is local or spread across markets, Morgan can structure financing for it.
Straight Talk on Structure
You'll get a clear explanation of what each loan structure costs, what it requires, and whether it actually fits your situation — not a sales pitch for whatever product pays the highest commission.
Short-Term Rental Cabins
2–4 Unit Multifamily
Single Family Rentals (SFR)
Fix & FlipWhat Clients Say
"Morgan was great to work with and got us taken care of when multiple others could not. Would definitely recommend."
Derick M.
Knoxville, TN
Google Review
August 8, 2026
"As a real estate professional I deal with a bunch of different lenders. I wish there was only one, Morgan Hardy!! Not only does he have a ton of knowledge to help my clients but his customer service is exceptional. Accept no substitute, Morgan Hardy is your guy 100%"
Mike J.
Knoxville, TN
Google Review
August 5, 2026
"Morgan was great. Communication was great and he worked hard to get me through what was a bit of a complicated situation to get to closing. Definitely recommend!"
Brandy V.
Knoxville, TN
Google Review
August 2, 2026
"I truly can't say enough good things about Morgan Hardy. From the very beginning, Morgan was more than just our mortgage broker—he was someone we genuinely felt was in our corner."
Daniel V.
Knoxville, TN
Google Review
August 8, 2026
When Your Project Doesn't Fit a Bank's Box
Through a broker who is one of fewer than a hundred Certified Brokers recognized by the National Private Lenders Association (NPLA), you gain direct access to billions in available private credit — capital that moves on deal merit, not on whether your project fits a conventional underwriting checklist.
For prime credit profiles and institutional-quality scenarios, Morgan's Accredited Mortgage Professional (AMP) designation from the Mortgage Bankers Association opens doors to commercial lending desks nationwide — connecting your project to the full depth of the capital markets.
Whether you're breaking ground on a new build, acquiring a small apartment building, repositioning a multifamily asset, or financing a full development, the right lender relationship is the one that can actually close.
NPLA Certified Broker
One of fewer than 100 nationwide
AMP — Mortgage Bankers Association
Accredited Mortgage Professional
Rental Ground Up Construction
5–10 Unit Apartments
Multifamily Equity & Purchase
Full DevelopmentA Mortgage Broker Who Speaks Investor
Morgan Hardy is a mortgage broker and investor financing specialist based in Knoxville, Tennessee. Morgan focuses on rental property loans, DSCR programs, and nontraditional lending structures built for real estate investors — serving the Knoxville metro area and investors across multiple states. Licensed with Foundation Mortgage Company.
Learn More About Morgan
Ready to Finance Your Next Investment Property?
Whether you're acquiring your first rental or expanding a portfolio, the right financing structure makes the difference.
Morgan Hardy · NMLS #1906208 · Knoxville, Tennessee