This page is a starting point for real estate investors in the Tri-Cities — not tied to one specific loan product. For 1-4 unit residential rentals, DSCR loans are available today, alongside conventional investment property financing. Commercial and multifamily financing (5+ units) is coming soon. Sam Timlick, mortgage loan officer in Johnson City, TN, works with investors on financing strategy, not just a single transaction. Call 253-431-2630.
- This page covers financing for real estate investors broadly — the specific loan programs live on their own pages.
- For 1-4 unit residential rentals, DSCR loans qualify you on the property's rental income — available today.
- Conventional investment property financing is also available for 1-4 units, qualifying on personal income.
- Commercial & multifamily financing (5+ units) is coming soon — ask and Sam will let you know when it's available.
- The right loan officer coordinates financing structure, entity ownership, the appraisal, and your longer-term portfolio plan — not just a single closing.
Why real estate investors need a knowledgeable loan officer
Financing an investment property involves decisions a typical homebuyer never has to make: which loan structure actually fits the deal, whether to hold title personally or in an LLC, what kind of appraisal the lender will require, and how this purchase fits into a longer-term plan rather than a one-off transaction. Get one of those pieces wrong and it can cost you the deal, the terms, or time you didn't need to lose.
That's the role I play for investors: not finding a rate and stepping back, but coordinating the whole picture around what you're actually trying to build — a single rental to test the waters, a growing portfolio held in one or more entities, or a refinance strategy to free up capital for the next purchase. Sam Timlick, a mortgage loan officer in Johnson City, TN, works through those pieces with investors before an offer is written.
Your financing options today
1-4 unit residential rentals
- DSCR loans — qualify using the property's rental income instead of personal income or tax returns. Allows LLC or entity ownership. The current path for most investors who want the property's numbers to carry the deal.
- Conventional investment financing — qualifies on personal income and debt-to-income ratio, generally the lower-cost option when it fits, but requires personal-name ownership.
- Cash-out refinance — a way to pull equity out of a seasoned rental to help fund the next acquisition.
Commercial & multifamily (5+ units)
Financing for commercial and multifamily properties with 5 or more units isn't available through me yet. I'm not going to make claims about programs, terms, or timelines I can't back up today — but if that's the direction you're headed, reach out and I'll let you know as soon as it's an option.
Investing in the Tri-Cities
Johnson City, Kingsport, Bristol, and the surrounding counties cover a wide range of investment property types — single-family rentals in established neighborhoods, small multi-unit buildings, and short-term rental properties near the Boone Lake and South Holston corridors. No single loan structure fits every deal, which is exactly why I look at the specific numbers on the specific property before recommending a direction. For a broader read on local pricing and inventory trends, the Tri-Cities housing market report is updated regularly.