Last updated
Summary of published terms
- Loan types
- Fix & flipBridgeHard moneyGround-up construction
- Channel
- Direct to investors
- Min FICO (lowest stated)
- Not published
- Max purchase LTV
- Not published
- Max cash-out LTV
- Not published
- Min DSCR
- Not published
- Loan size
- $50K–$250K
- Prepayment penalty
- Not published
- Arizona / Tennessee
- Headquartered in Tennessee (no published state list)
- Short-term rentals
- —
- Foreign nationals
- —
- Coverage
- No published state list or nationwide statement; listed in its headquarters state: Tennessee
Checked 2026-10-17: No state list; HQ city from site text (no street address). With no published state list and no nationwide statement, it is listed in its headquarters state (TN) under our coverage rule. HQ from the lender's own website.
Source: www.lowertowns.com/, checked October 17, 2026
Note: Rate not published.
Summary fields show the lender’s rental/DSCR program where it has one, otherwise its bridge program. Loan size spans all programs listed.
Terms published on the lender’s website
Read from Lower Towns, LLC’s own website on the date shown. Advertised rates are “starting at” floors, not quotes. “States” lists the states that program names; a rate only counts toward a state page when its program names that state. Anything not shown here was not published.
| Term | Published value | States named | As of |
|---|---|---|---|
| Loan size | $50,000–$250,000 | TN | October 17, 2026 |
| Max loan-to-ARV | Up to 70% of ARV | TN | October 17, 2026 |
| Term | 6–18 months (fix & flip), 12–24 (construction), 3–12 (bridge) | TN | October 17, 2026 |
Program details
No program-level terms published on the pages we checked.