Capital Kings brokers 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.
350+lenders shopped for you37states servedReal brokernot a call center
What You Can Get in Kentucky
Real ranges, not teaser rates. Your exact terms depend on the property, your experience, and the deal. Submit your scenario and we shop it for actual numbers.
8.99%
Rates from
0-15%
Down (0% on the right deal)
100% LTC
Max leverage
100%
Rehab funded via draws
1.0 DSCR
Rentals qualify from
7-10 days
Typical close
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
From 8.99%Up to 90% LTC100% rehab
Purchase plus rehab, funded through draws. Built for Kentucky flippers who win on speed.
DSCR
Rental Property Loans
From 1.0 DSCR30-yr fixedNo W-2 or tax returns
Qualify on the rent, not your income. For Kentucky buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
12-24 moInterest-only
Short-term capital to acquire, reposition, or stabilize before your long-term takeout.
New Construction
Ground-Up Construction
Up to 85-90% LTCSFR to small multifamily
Ground-up builds in Kentucky growth corridors, from single homes to small multifamily.
Active Markets
Cities We Fund Across Kentucky
Active lending across Kentucky's primary investor markets. Don't see your city? We broker statewide. Submit your deal and we'll match it to the right lender.
See what the numbers look like in Kentucky before you apply
Drag your purchase price, rehab, and ARV. These are live estimates on Capital Kings terms, from the same calculator we run on real deals.
Why Capital Kings
Built for Kentucky Investors
You're hiring a broker, not a lender. One application, 350+ lenders shopped, and we bring you the best fit for the deal instead of pitching a single product.
Louisville fix-and-flip financing in 7-10 days
DSCR rentals statewide
Bridge financing for value-add deals
Common Questions
Kentucky Lending FAQ
Do you lend hard money loans in Kentucky?
Yes. Capital Kings brokers hard money, DSCR, bridge, and fix-and-flip loans across Kentucky through our 350+ lender network. We close Kentucky deals in as little as 7 days.
What cities in Kentucky does Capital Kings lend in?
We broker 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 broker 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?
It depends on the deal. Most Kentucky hard money loans run 10-15% down, new investors can start around 5%, and experienced investors hit 0% down on the right scenario. Rehab is always 100% funded through draws. Submit your deal and we'll tell you exactly where you land.
Learn More
Kentucky Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Kentucky deal we close.
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.
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.
Broker, Not a Lender