Hard Money Lenders Kentucky – DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
Fast and flexible hard money financing across Kentucky, including Louisville, Lexington, Bowling Green, Owensboro, and Covington. Residential and commercial loans designed for investors and builders seeking quick approvals and rapid closings.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Investors and builders throughout Kentucky turn to hard money lenders Kentucky for fast, flexible financing solutions for a variety of projects. Whether you are purchasing rental properties, executing a fix & flip, building spec homes, or acquiring commercial real estate, our programs are designed to fund deals quickly with minimal red tape. Residential loans cover 1–4 unit homes, while commercial financing supports office buildings, retail centers, warehouses, and mixed-use properties. Our team serves major markets including Louisville, Lexington, Bowling Green, Owensboro, Covington, and surrounding areas, offering closings in as little as 7–20 days.
Our Kentucky hard money programs focus on project strength, property value, and borrower experience rather than extensive income verification or slow traditional bank approvals. Whether you are a first-time investor or an experienced builder, partnering with hard money lenders Kentucky gives you reliable access to capital for residential and commercial projects, allowing you to act quickly on investment opportunities and maximize your returns across the state.
We Lend in:
Louisville, Lexington, Bowling Green, Owensboro, Covington, Richmond, Hopkinsville, Florence, Georgetown, Elizabethtown and most cities in Kentucky
Investment Loan Programs in Kentucky
Kentucky Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties in Kentucky. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Kentucky Spec Home Construction Loans
Finance speculative home builds with fast approvals and flexible draw schedules for Kentucky investors.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Kentucky 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income—perfect for buy-and-hold investors in Kentucky.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Kentucky 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit residential apartment buildings in Kentucky.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Kentucky Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Kentucky Commercial Hard Money Loans
Financing for commercial real estate investors across Kentucky, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Why Choose Hard Money Lenders Kentucky
25+ years of experience funding real estate investors
26,000+ loans closed nationwide
Active real estate investors and landlords
Member of the American Association of Private Lenders
Our Expertise
Programs for fix & flip, rental/DSCR, spec home construction, and commercial loans
Nationwide reach, including Louisville, Lexington, Bowling Green, and Owensboro
Tailored solutions for first-time and experienced investors
Loan Process in Kentucky
Submit your loan scenario for pricing and max LTV, interest rate, and term.
Receive a complete loan offer breakdown.
Accept offer and complete the loan package with required documents.
Appraisal: 3–5 business days depending on rush or regular.
Underwriting: few hours up to 24 hours.
Closing: Fix & flip loans 7–8 days, spec construction 8–10 days, DSCR rental 14 days or less.
Frequently Asked Questions – Hard Money Loans in Kentucky
A: We offer DSCR loans for 1–4 unit rentals, fix & flip loans up to 90% purchase + 100% rehab, spec home construction financing, asset-based loans for residential and commercial projects, and commercial hard money loans for office, retail, warehouse, and mixed-use properties.
A: Closings typically take 7–20 days depending on the loan type and project readiness.
A: Most Kentucky hard money loans require a 660+ mid credit score, but approvals focus primarily on the property, project strength, and borrower experience.
A: Yes, portfolio financing is available for investors managing multiple residential or commercial projects across Kentucky.
A: No — our hard money programs focus on property value and project feasibility rather than personal income or bank approvals.
A: We fund deals statewide, including Louisville, Lexington, Bowling Green, Owensboro, Covington, and surrounding communities.
A: Yes, spec home construction and large rehabs are eligible, provided they meet our experience and property requirements.