Licensed & LendingHard Money & DSCR Loans in Kentucky
Capital Kings funds Kentucky investor loans. Hard money for flips, DSCR for rentals, bridge for value-add. Louisville and Lexington drive most of our KY deals, with the Northern Kentucky / Cincinnati metro a strong third.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Kentucky Deals
Kentucky rental yields hold up well against more expensive Midwest markets, and the Louisville flip market is one of the more consistent in the region. Our lender network includes shops that fund both urban Louisville (Highlands, Old Louisville, NuLu) and the suburban / rural KY markets.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Kentucky fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Kentucky buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Kentucky growth corridors specifically.
Active Markets
Cities We Fund Across Kentucky
Active lending across Kentucky's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Kentucky Investors
Louisville fix-and-flip financing in 7-10 days
Available statewide for Kentucky investors.
DSCR rentals statewide
Available statewide for Kentucky investors.
Bridge financing for value-add deals
Available statewide for Kentucky investors.
Common Questions
Kentucky Lending FAQ
Do you lend hard money loans in Kentucky?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Kentucky through our 270+ lender network. We close Kentucky deals in as little as 7 days.
What cities in Kentucky does Capital Kings lend in?
We fund investor loans statewide in Kentucky, with active deal flow in Louisville, Lexington, Bowling Green, Owensboro, Covington and the surrounding metros.
Do you offer DSCR rental loans in Kentucky?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Kentucky on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Kentucky hard money loan close?
Most Kentucky fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Kentucky fix-and-flip loan?
As little as 0% down on the right deal. Most Kentucky hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Kentucky can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Kentucky Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Kentucky deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Kentucky deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Kentucky are originated by partner lenders licensed to lend in Kentucky. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.