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Homes with Owner Financing in Memphis, TN

An editorially curated view of every active homes with owner financing listing in Memphis, TN. Updated in real time from the local MLS, presented without the noise.

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Memphis Market — Homes with Owner Financing Comparison

Live MLS data — citywide vs. Homes with Owner Financing

Memphis
Homes with Owner Financing
inventory
Active Listings
3,253
12
Sold (Past 6 Mo.)
3,094
5
Under Contract
665
0
pricing
Avg. List Price
$242,658
$141,033 ↓ 42%
Cost / Sq. Ft.
$182
—
typical home
Living Area
3,155 ft²
—
Avg. Beds
3.0
3.1
Avg. Baths
1.8
1.7
Days on Market
134
195 ↑ 46%

Homes with Owner Financing in Memphis: Market Data

Data as of (MLS snapshot; listings below update live)

Groome & Co Realtors' review of MLS data as of October 15, 2026 shows 12 active listings for Memphis homes with owner financing, with a median of 239 days on the market. Over the past six months, 5 listings in this search sold. The median list price was $132,450, about $98 per square foot, for a median of 1,434 square feet. That price was $32,550 below the $165,000 median for all active listings in Memphis, across every property type. If you're buying, a median of 239 days on the market usually leaves some room to negotiate.

Homes with Owner Financing in Memphis, TN, October 15, 2026
MeasureValue
Active listings12
Sold, past six months5
Median list price$132,450
Median list price, all Memphis listings$165,000
Median price per square foot$98
Median square feet1,434
Median days on market239

Market questions

How many Memphis homes with owner financing are on the market?

There were 12 Memphis homes with owner financing for sale as of October 15, 2026, based on Groome & Co Realtors' review of MLS data.

What is the median price of Memphis homes with owner financing?

The median list price of Memphis homes with owner financing was $132,450 as of October 15, 2026.

What is the typical price per square foot for Memphis homes with owner financing?

The median price per square foot for Memphis homes with owner financing was $98, for a median of 1,434 square feet.

What is the typical time on market for Memphis homes with owner financing?

The median listing for Memphis homes with owner financing had been on the market 239 days as of October 15, 2026.

Are Memphis homes with owner financing priced above or below the Memphis median?

The median list price of Memphis homes with owner financing, $132,450, was $32,550 below the $165,000 median for all active listings in Memphis, across every property type.

How many Memphis homes with owner financing sold recently?

5 Memphis homes with owner financing sold in the six months before October 15, 2026.

Listing data courtesy of the Memphis Area Association of REALTORS®.

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View All Memphis TN Homes with Owner Financing Listings

5111 Breckenwood Dr, Memphis
$129,900
3 Beds ⋅ 1.1 Baths ⋅ 10233079 MLS
This is the kind of home you can feel has been genuinely cared for. This spacious 3 bedroom, 1.5 bath home offers comfortable living spaces and that homey feeling. A lot of love went into this home over the years! The roof was replaced approximately five years ago, and the home also features a newer furnace, added blown in insulation, dual pane windows and ceiling fans throughout. Fresh interior and exterior paint gives it a clean, well kept feel, while new kitchen tile adds a practical update where it matters most. Outside, the fenced backyard and covered patio offer plenty of space for relaxing, entertaining, children or pets. An extra concrete parking pad and the carport offer ample parking, and the large backyard storage building gives you room for tools, lawn equipment or hobbies. New shutters add the finishing touch to a home that has been maintained with pride and is ready for its next owner. No Wholesalers or seller financed offers.

5111 Breckenwood Dr, Memphis
3793 Helen Ann Dr, Memphis
$129,900
4 Beds ⋅ 2 Baths ⋅ 10230047 MLS
INVESTERS ONLY!! Fully tenant occupied BRICK duplex, total rent is $1,350/mo. This could be a great addition to your rental portfolio. No sign in the yard. Please do not disturb or approach the tenant. ONLINE VIDEO AVAILABLE UPON REQUEST. Leases and ledgers available upon request. No Creative Or Owner Financed Offers. No Wholesale Or Assignment.

3793 Helen Ann Dr, Memphis
3793 Helen Ann Dr, Memphis
$129,900
2 Beds ⋅ 1 Baths ⋅ 10230046 MLS
INVESTERS ONLY!! Fully tenant occupied BRICK duplex, total rent is $1,350/mo. This could be a great addition to your rental portfolio. No sign in the yard. Please do not disturb or approach the tenant. ONLINE VIDEO AVAILABLE UPON REQUEST. Leases and ledgers available upon request. No Creative Or Owner Financed Offers. No Wholesale Or Assignment.

3793 Helen Ann Dr, Memphis
5573 Apple Blossom Dr, Memphis
$131,500
2 Beds ⋅ 1.1 Baths ⋅ 10228849 MLS
INVESTORS ONLY!!! BRICK DUPLEX!!! Each duplex is 2 bedrooms and 1 & a half bathrooms on each side. One unit currently rented for $750/mo with a $500 Security deposit on file. One unit is currently vacant. Lease and ledger available upon request. Market rent is $850-$1100 per door. Professionally managed. No sign in yard. Do not disturb or approach tenant. This could be a great addition to your rental portfolio. No Creative Or Owner Financed Offers. No Wholesale Or Assignment.

5573 Apple Blossom Dr, Memphis
2261 Hunter Ave, Memphis
$105,000
2 Beds ⋅ 2 Baths ⋅ 10228766 MLS
INVESTERS ONLY!!! DUPLEX with one unit rented for $525/mo, the other unit is rented at $525/mo. Both units were rehabbed in 2026. Leases and ledgers available upon request. Professionally managed. ONLINE VIDEO AVAILABLE UPON REQUEST. This could be a great addition to your rental portfolio. No Creative Or Owner Financed Offers. No Wholesale Or Assignment.

2261 Hunter Ave, Memphis
2261 Hunter Ave, Memphis
$105,000
1 Beds ⋅ 1 Baths ⋅ 10228765 MLS
INVESTERS ONLY!!! DUPLEX with one unit rented for $525/mo, the other unit is rented for $525/mo. Both units were rehabbed in 2026 Leases and ledgers available upon request. Professionally managed. ONLINE VIDEO AVAILABLE UPON REQUEST. This could be a great addition to your rental portfolio. No Creative Or Owner Financed Offers. No Wholesale Or Assignment.

2261 Hunter Ave, Memphis
1992 Carbondale Dr, Memphis
$97,500
3 Beds ⋅ 2 Baths ⋅ 10223850 MLS
INVESTERS ONLY!! Tenant occupied BRICK 3bed 2bath home with covered parking. Home is currently rented for $1125/mo. This could be a great addition to your rental portfolio. No sign in the yard. Please do not disturb or approach the tenant. ONLINE VIDEO AVAILABLE UPON REQUEST. Leases and ledgers available upon request. No Creative Or Owner Financed Offers. No Wholesale Or Assignment.

1992 Carbondale Dr, Memphis
1675 Haywood Ave, Memphis
$112,500
3 Beds ⋅ 1.1 Baths ⋅ 10220762 MLS
Investment opportunity. Tenant occupied property available for sale. INVESTORS ONLY! Brick home with three bedrooms, one and a half baths and covered parking on a quiet street. Professionally managed, lease and ledger available upon request. Currently rented for $1095/mo. Seller is also has 449 Fernwood, 1247 Vistaview Cove, 3245 Sinclair (can buy these homes individually or in a bulk sale package). All properties have been substantially rehabbed in the past 5-6 years. No creative or owner financed offers. No wholesalers or assignments. Do not disturb or approach tenant, no sign in the yard, make offers contingent on interior inspection.

1675 Haywood Ave, Memphis
2915 Felix Ave, Memphis
$140,000
2 Beds ⋅ 1 Baths ⋅ 10215456 MLS
Great opportunity in Goodwyn Heights. 2BR-1Bath. Large corner lot with a ton of potential. Appraised for $180,000 in 2022. New roof installed in 2022, original finished hardwood floors, sunroom, freshly painted interior. Contact Brett Bernard with any questions. Property to be sold as-is. No Wholesalers or Owner Financed offers will be considered.

2915 Felix Ave, Memphis
2599 Callie Rd, Memphis
$137,000
3 Beds ⋅ 2 Baths ⋅ 10215454 MLS
Brand new construction with full 1 Year Builder Warranty- 3br/2Bath- Home will be completed within 45 days- Home features granite throughout- modern fixtures, lighting, and finishes. Great for first-time home buyers or investors looking for new construction cash flowing properties. Market rent $1450. Please contact Brett or Marissa with questions. No wholesalers, owner financed or low ball offers will be reviewed.

2599 Callie Rd, Memphis
4382 Ryan St, Memphis
$140,000
3 Beds ⋅ 2 Baths ⋅ 10215338 MLS
Brand new construction with full 1 Year Builder Warranty- 3br/2Bath- Home will be completed within 45 days- Home features granite throughout- modern fixtures, lighting, and finishes. Photos are of a model home and will be updated upon completion. Great for first-time home buyers or investors looking for new construction cash flowing properties. Tenant Occupied at $1450. Please contact Brett or Marissa with questions. No wholesalers, owner financed or low ball offers will be reviewed.

4382 Ryan St, Memphis
4406 Ryan St, Memphis
$145,000
3 Beds ⋅ 2 Baths ⋅ 10215336 MLS
Brand new construction with full 1 Year Builder Warranty- 3br/2Bath- Home will be completed within 45 days- Home features granite throughout- modern fixtures, lighting, and finishes. Photos are of a model home and will be updated upon completion. Great for first-time home buyers or investors looking for new construction cash flowing properties. Market rent $1450. Please contact Brett or Marissa with questions. No wholesalers, owner financed or low ball offers will be reviewed.

4406 Ryan St, Memphis
3117 Pacific Ave, Memphis
$135,000
2 Beds ⋅ 1 Baths ⋅ 10214213 MLS
INVESTORS ONLY! Fully rented brick duplex....each side rented at $550 (total rent is $1100). Long term tenants are currently MTM. Roof is 2 years old. ONLINE VIDEO AVAILABLE UPON REQUEST. Tenants pay all utilities. Each unit has 2 bedrooms & central heat & air plus gas cooking. Online video available upon request. Could be an excellent addition to your rental portfolio. No blind offers, no creative or owner financed offers. No wholesale or assignment.

3117 Pacific Ave, Memphis
3418 Brutonwood Cv, Memphis
$153,000
3 Beds ⋅ 2 Baths ⋅ 10213514 MLS
INVESTERS ONLY! Fully occupied DUPLEX for sale. Each unit is 3bed 2bath (6bed 4bath total). This can be a great addition to your investment portfolio. Professionally managed with a total rent of $1650/mo. Lease, ledger, repair history available upon request. No sign in the yard. Please do not disturb or approach the tenant. No Creative or Owner Financed Offers. No Wholesale or Assignment. ALL PHOTOS ARE FROM BEFORE TENANTS MOVED IN AND MAY NOT REPRESENT THE CURRENT CONDITION.

3418 Brutonwood Cv, Memphis
4395 Ann Arbor Ln, Memphis
$170,000
3 Beds ⋅ 2 Baths ⋅ 10212507 MLS
INVESTERS ONLY! Tenant occupied 3 bed 2 bath home. Rent is $1000/mo. Professionally managed. This is a great investment property to add to any portfolio. Lease and ledger available upon request. No Creative or Owner Financed Offers. No Wholesale or Assignment. No sign in the yard. Please do not disturb or approach the tenant. Seller also selling 599 Blackhawk, 4973 Longtree, and 80 E. Bodley (Can buy in bulk or individually) Some of these properties are section 8 tenants.

4395 Ann Arbor Ln, Memphis
599 Blackhawk Ave, Memphis
$120,000
4 Beds ⋅ 1.1 Baths ⋅ 10212342 MLS
INVESTERS ONLY. Tenant occupied 4 bed 1.5 bath home. Rent is $1177/mo. Professionally managed. This is a great investment property to add to any portfolio. Lease and ledger available upon request. No Creative or Owner Financed Offers. No Wholesale or Assignment. No sign in the yard. Please do not disturb or approach the tenant. Seller also selling 4973 Longtree, 4395 Ann Arbor, and 80 E. Bodley (Can buy in bulk or individually) Some of these properties are section 8 tenants.

599 Blackhawk Ave, Memphis
4431 Arnold Cv, Memphis
$115,000
2 Beds ⋅ 1 Baths ⋅ 10211144 MLS
Good cash flowing duplex gross rents $1385.00. Unit 4433 was remodeled early 2025, tenant pays $750- Unit 4431 has a good tenant of 25 years paying $635 . A great value add property with room to grow cash flow and expand your portfolio. No wholesalers or owner financed offers. Do not disturb tenants- inspections on accepted offers only.

4431 Arnold Cv, Memphis
1627 Barton St, Memphis
$215,000
8 Beds ⋅ 4 Baths ⋅ 10210685 MLS
INVESTORS ONLY! Fully Vacant Quadplex for sale. Being offered at a great price with low maintenance exterior. Property has undergone significant repairs. ONLINE VIDEO AVAILABLE UPON REQUEST. Each unit is 2 bedrooms and 1 bathroom (target rent is $700-$1000 per unit). It appears each unit has its own electric, gas, and water meters and tenants pay all utilities (PLEASE CONFIRM) This could generate a large amount of income for investors! Property does need cosmetic repairs but could be a great investment property and worth a lot of money once rehabbed and fully rented out. No Creative Or Owner Financed Offers. No Wholesalers Or Assignments.

1627 Barton St, Memphis
1627 Barton St, Memphis
$215,000
10210684 MLS
INVESTORS ONLY! Fully Vacant Quadplex for sale. Being offered at a great price with low maintenance exterior. Property has undergone significant repairs. ONLINE VIDEO AVAILABLE UPON REQUEST. Each unit is 2 bedrooms and 1 bathroom (target rent is $700-$1000 per unit). It appears each unit has its own electric, gas, and water meters and tenants pay all utilities (PLEASE CONFIRM) This could generate a large amount of income for investors! Property does need cosmetic repairs but could be a great investment property and worth a lot of money once rehabbed and fully rented out. No Creative Or Owner Financed Offers. No Wholesalers Or Assignment.

1627 Barton St, Memphis
3536 Christine Rd, Memphis
$133,755
2 Beds ⋅ 1.1 Baths ⋅ 10210431 MLS
INVESTORS ONLY! Tenant occupied duplex (2 bed, 1 1/2 bath each unit) currently rented at $895/mo. each (total $1,790/mo.) This could be a great addition to your rental portfolio. Professionally managed by Mid South Home Rentals. Tenants pay all utilities (Gas, water, electric). This property is right next door to a brand new construction home (tons of exciting activity nearby). Home has low maintenance, vinyl siding exterior. Seller also selling 1573 Jay ($79,900) and 3483 Julia ($89,900). Can buy individually or in bulk. Make all offers contingent on interior access (no showings until an accepted offer.) No sign in the yard. Please do not disturb or approach the tenant. No Creative or Owner Financed offers. No Wholesale or Assignment.

3536 Christine Rd, Memphis
3792 Dunn Ave, Memphis
$105,000
2 Beds ⋅ 1 Baths ⋅ 10209718 MLS
INVESTERS ONLY! Tenant occupied lovely 2Bed 1Bath home in East Memphis. Rent is $895/mo. Home was rehabbed within the last 18 months before the current tenant moved in. Seller installed new central A/C, new water heater, new interior/exterior paint, updated tile floors, new bathroom fixtures, refinished hardwood floors, new countertops, new light fixtures, plus huge backyard. Could be a great addition to your portfolio and is professionally managed by Reedy and Company. Cash or conventional offers only. No creative or owner financed offers. No wholesale or assignment. Seller also selling 2540 Malone (can buy individually or in bulk).

3792 Dunn Ave, Memphis
3745 Rainford Dr, Memphis
$98,500
3 Beds ⋅ 1 Baths ⋅ 10208182 MLS
Investors Only! This lovely 3 bed 1 bath home is currently being rented for $835/mo. It is professionally managed and will be a wonderful addition to your rental portfolio. There is an Online Video walkthrough available upon request. No creative or owner financed offers. No wholesale or assignment. Lease and ledger are available upon request. Seller is also selling 4052 Shirley (can buy them individually or in bulk). Please do not disturb or approach the tenant. No sign in the yard. Please make offers contingent on a home inspection.

3745 Rainford Dr, Memphis
3794 W Donna Dr, Memphis
$116,000
4 Beds ⋅ 2 Baths ⋅ 10208121 MLS
$1300- CASH FLOW PROEPRTY. Leased until November 2026. 4 Bedroom, 2 Bath in a great location! Fully rehabbed on a huge corner lot. New roof, Electrical Panel, Condenser, Hot Water Heater, Fresh Exterior Paint. Refinished Wood Floors and Tile. New Bathrooms, New Kitchen fixed with modern lighting. NO WHOLE SALE- NO OWNER FINANCED OFFERS- DO NOT DISTURB TENANT, inspection with accepted offer only. Seller to close with and EM to be held by Virtue Closing Services.

3794 W Donna Dr, Memphis
4052 Shirley Dr, Memphis
$108,500
4 Beds ⋅ 1.1 Baths ⋅ 10204569 MLS
INVESTORS ONLY! This property is currently leased for $1095 per month. The lease expires 7/31/26. This cozy 4bed 1.1bath home has a new A/C ductwork (2024), new kitchen flooring (2025), and total sewer line replacement (2025). Online Video available on request. The property is professionally managed and will be a wonderful addition to your investment portfolio. No creative or owner financed offers. No wholesale or assignment. Seller is also selling 3745 Rainford (can buy them both or can buy them individually). Many homes in this area are being rehabbed and sold for more money. Please do not disturb or approach the tenant. No sign in the yard. Please make offers contingent on a home inspection.

4052 Shirley Dr, Memphis
653 Gilleas Rd, Memphis
$155,000
3 Beds ⋅ 2 Baths ⋅ 10203367 MLS
Brand new 3 BR 2 Bath Home! Maintenance free siding, architectural shingles-Polished stained concrete floors- Comes with a full 1 Year Builder Warranty- Excellent investment opportunity or a growing family. Home is under construction-Photos are of a model home with the same building and floor plan. No Wholesalers or owner financed offers.

653 Gilleas Rd, Memphis
341 Dixie Rd, Memphis
$155,000
3 Beds ⋅ 2 Baths ⋅ 10203366 MLS
$5000 Builder Credit to Buyer-Brand new 3 BR 2 Bath Homes-Maintenance free siding, architectural shingles-Polished stained concrete floors- Comes with a full 1 Year builder warranty-Excellent investment opportunity or a growing family. No Wholesalers or owner financed offers. House is under construction- Photos are of a model home - same building and floor plan.

341 Dixie Rd, Memphis
252 Dixie Rd, Memphis
$155,000
3 Beds ⋅ 2 Baths ⋅ 10203365 MLS
$5000 Builder to Buyer-Brand new 3 BR 2 Bath Homes-Maintenance free siding, architectural shingles-Polished stained concrete floors- Comes with a full 1 Year builder warranty-Excellent investment opportunity or a growing family. Photos are of finished home- same building and floor plan. No Wholesalers or owner financed offers.

252 Dixie Rd, Memphis
1278 Broadmoor St, Memphis
$85,462
3 Beds ⋅ 1 Baths ⋅ 10201893 MLS
Check out this great 3 bedroom 1 bath in a great location! So much potential. Do not miss out on this one! WHOLESALE OR OWNER FINANCED OFFERS WILL BE NOT CONSIDERED.

1278 Broadmoor St, Memphis
2559 Wellons Ave, Memphis
$110,000
3 Beds ⋅ 1 Baths ⋅ 10198974 MLS
NEW Tenant moving in $1135/month!- Home completely remodeled and rent ready in a booming rental market. Great addition to your cash flow and investment portfolio. No wholesalers or owner financed offers. Property is currently vacant.

2559 Wellons Ave, Memphis
810 Chelsea Ave, Memphis
$66,667
10188188 MLS
Investment opportunity available. This is the total price for all 3 duplexes. Three separate duplexes, each unit is a 2bed/ 1bath. Six units total...all units are currently vacant. Addresses are 810/812 Chelsea , 814/816 Chelsea, 818/820 Chelsea. Market rent is approximately $850 per unit. Exterior and roof are in good shape, interior needs work. Rare redevelopment opportunity. Seller prefers bulk sells. Could be a huge value add for your portfolio! Close proximity to downtown. Could be a great long term investment option. No creative financing or owner financed offers no subject to offers. No wholesale or assignment. ONLINE VIDEO AVAILABLE UPON REQUEST.

810 Chelsea Ave, Memphis
1096 Gordon St, Memphis
$110,000
2 Beds ⋅ 1 Baths ⋅ 10187774 MLS
Great investment opportunity. Brick duplex in terrific location at a great price. Could make a great residence -- live in one side and rent the other side out. This property is professionally managed, one side is rented for $595/mo with lease expiring 6/30/25, the other side is vacant with a market rent of $695/mo. Lease, ledger available upon request. ONLINE VIDEO AVAILABLE UPON REQUEST. Home features hardwood floors, floor furnaces and window units. DO NOT APPROACH OR DISTURB TENANT, NO SHOWINGS WITHOUT AN ACCEPTED OFFER. No creative or owner financed offers. No wholesale or assignment.

1096 Gordon St, Memphis
263 Buntyn St, Memphis
$197,000
1 Beds ⋅ 1 Baths ⋅ 10186188 MLS
Great opportunity to grab a tenanted cash flowing property. Two unit duplex with a 1/1 on each side. 265 unit is recently vacant and easy to show - 263 unit is $750/mo. 5+ year tenant. Interiors are clean and ready, only needs some minor exterior maintenance. Easy to maintain and easy to own. Appliances included. Hardwood floors. Central HVAC. 2 car carport. Will make a great addition to any portfolio. Feel free to reach out with questions. Seller is not interested in owner financed offers, creative financing, subject to offers, and no wholesalers or assignments please.

263 Buntyn St, Memphis
4938 Princeton Rd, Memphis
$215,000
3 Beds ⋅ 1 Baths ⋅ 10185585 MLS
A super cute East Memphis charmer! Fun updates and an amazing location. A quiet little pocket of town and walking distance to the Greenline. Desirable school zones of Richland Elementary and White Station Middle and High. Gas cooking, nice back porch, and an updated bathroom. Come see this one in person today! Appliances included. We can be flexible on things tree work and terms based on offers. Let's make this house your home! Seller is not interested in owner financed offers, creative financing, subject to offers, and no wholesalers or assignments please.

4938 Princeton Rd, Memphis
754 E Trigg Ave, Memphis
$83,000
2 Beds ⋅ 1 Baths ⋅ 10181677 MLS
Income producing property one side is rented for $800.00 Other side is ready for renovation, make an appointment to view this duplex and see all it has to offer. Some of the features are brand new roof, new exterior and interior paint, new windows, washer and dryer connections, new back porch. No creative or owner financed offers. No wholesale or assignment.

754 E Trigg Ave, Memphis
4134 Fizer Ave, Memphis
$92,000
2 Beds ⋅ 1 Baths ⋅ 10178713 MLS
Charming 2-bedroom, 1-bath home affordable and cozy! This home is perfect for first time home buyer, investors or those looking to downsize. No creative or owner financed offers. No wholesale or assignment.

4134 Fizer Ave, Memphis
3759 Deer Forest Dr, Memphis
$103,800
2 Beds ⋅ 2 Baths ⋅ 10178586 MLS
Terrific investment opportunity. INVESTORS ONLY! Wonderful cash flowing brick home available for your portfolio! Property is self managed. Currently rented for $1125/mo. Tenant is m2m. ONLINE VIDEO AVAILABLE UPON REQUEST. Interior is in good shape and roof was recently replaced. No creative or owner financed offers. No wholesale or assignment. Photos are from when the current owner bought the house. Cash offers strongly preferred.

3759 Deer Forest Dr, Memphis
3347 S Perkins Rd, Memphis
$145,000
3 Beds ⋅ 2 Baths ⋅ 10176268 MLS
3 bedroom 2 bathroom home , great location, very spacious floor plan. Income producing property, rental $1200,00 per month with a lease in place. No creative or owner financed offers. No wholesale or assignment.

3347 S Perkins Rd, Memphis
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