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Investment property loans · KY

Hard money, fix and flip and DSCR loans in Kentucky

Kentucky investors use our loans to buy, renovate and rent older houses in Louisville and Lexington, and rentals near the university in Bowling Green.

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Markets

Where we lend in Kentucky

Cities we lend in include Louisville, Lexington and Bowling Green, and the towns around them.
LouisvilleShotgun houses in Germantown, Shelby Park and Portland, and Victorian homes in Old Louisville, bought to renovate or to rent.
LexingtonRentals near the University of Kentucky and older houses in the close-in neighborhoods near downtown.
Bowling GreenRentals near Western Kentucky University and older houses around downtown and Fountain Square.

Kentucky

Loans by city in Kentucky

Each city has its own page: the neighborhoods investors buy in, the housing and the local rules worth checking before an offer.

Loan programs

Loans for Kentucky real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Kentucky

30-year loans for Kentucky rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Kentucky

Buy and renovate in Kentucky with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Kentucky

Close quickly on a Kentucky property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Kentucky

Financing for new builds in Kentucky, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Kentucky

Financing for Kentucky apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Kentucky

Local things that change a deal's numbers or its closing date. Check them before you make an offer.
  • Kentucky's transfer tax is 50 cents for each $500 of value, or $1 per $1,000. The law puts it on the seller, and the county clerk won't record the deed until it's paid.
  • Unpaid Kentucky property taxes become a certificate of delinquency on April 15. It's a lien that grows by 1% a month, plus a 10% clerk fee and a 20% county attorney fee, and it can be sold to a third-party buyer who adds more fees. Make sure the title search finds it.

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Have a Kentucky property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Kentucky: common questions

Do you offer hard money loans in Kentucky?

Yes. United Lending LLC offers private real estate financing for investors in Kentucky: short-term fix and flip and bridge loans sized on the deal, 30-year DSCR loans sized on the rent, and construction and multifamily financing quoted per deal. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you lend in Kentucky?

Yes. United Lending LLC offers business-purpose financing on investment property across Kentucky, including Louisville, Lexington and Bowling Green. Tell us the property's address on the form and a loan officer will confirm the details on the first call.

Which loans can I get for a Kentucky property?

Fix and flip loans of up to 95% of the price and 100% of the rehab budget, and bridge loans up to 95% loan-to-cost, both on 12–18 months interest-only terms. DSCR rental loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, up to 85% loan-to-value on a purchase and 80% on a cash-out refinance; those are separate limits, not one combined offer. Construction and multifamily loans are quoted per deal. All limits are subject to appraisal and underwriting, and every loan is for property you invest in, not a house you or a relative will occupy.

Is there a prepayment penalty on a Kentucky loan?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Kentucky or have an LLC there?

No. Many of our borrowers invest outside the state they live in. You can borrow in your own name or through an LLC; if the LLC was formed in another state, your loan officer will tell you what's needed before closing.

Where we lend

More states with local pages