Residential investment financing across Kentucky’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.
Kentucky combines favorable tax treatment (no income tax on retirement income), low acquisition costs ($180,000–$240,000), and strong rental demand in urban cores. Louisville dominates the market with $240,000 median and manufacturing-driven employment. Secondary markets like Lexington and Covington offer even lower entry points and higher cap rates.
The state's bourbon and horse country heritage plus outdoor recreation appeal attract relocating professionals and retirees. Landlord-friendly laws and property tax rates around 0.85% create efficient rental operations. For portfolio investors, Kentucky offers compelling risk-adjusted returns with limited headline appreciation.
We lend across Kentucky’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.
Every loan program we offer is available to qualified borrowers and properties in Kentucky.
Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.
Learn More30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.
Learn MoreAcquisition and renovation capital for value-add residential projects.
Learn MoreCapital for home builders to leverage their lot position and break ground on new residential projects.
Learn MoreFinancing for purpose-built rental communities and single-family rental developments.
Learn MoreAcquire 5–8 single-family rentals in Louisville ($180K–$240K). Cap rates of 6–7% with stable tenants. DSCR refinance into long-term fixed financing. Limited appreciation but strong cash flow and tax benefits.
Acquire 2–4 unit properties in Lexington ($110K–$160K cost basis). Light renovation. DSCR financing locks 7–9% yields. Limited appreciation, predictable income.
Target Covington (Cincinnati suburbs) for acquisition and value-add. Bridge financing, 5–7 month renovation. Resale to owner-occupants or convert to rental. Higher appreciation than pure Louisville hold.
Our team has deep experience financing residential projects across Kentucky. Reach out to discuss your next deal.
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