FIX & FLIP LOANS · Kentucky (KY) Underwriting Matrix

Kentucky Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Kentucky Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Kentucky (KY), lenders underwrite to a Judicial (Master Commissioner Sale) statutory framework (150–210 days-day average timeline), a 0.83% average property tax rate (~$183/mo at the $265,000 state median), and $580/$100K hazard insurance (~$128/mo).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

KY Security Instrument

Judicial (Master Commissioner Sale)

150–210 days days avg timeline

KY Avg Tax & Ins

0.83% Tax

$580/$100K Hazard Ins

How Fix & Flip Loans Work in Kentucky (KY)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

1. Kentucky Median Benchmark

Median 1–4 unit price of $265,000 (75% LTV = $198,750) with Form 1007 rent of $2,050/mo and multifamily rent of $1,240/door.

2. Escrow & Title Underwriting

Kentucky operates under a Judicial (Master Commissioner Sale) regime (150–210 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 10 Business Days)

Close in your Kentucky LLC or Delaware LLC registered in KY with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Kentucky

Kentucky DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Kentucky Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Kentucky Private Money Loans (Up to 80% LTV / 85% LTC)Kentucky Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Kentucky Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Kentucky Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Kentucky Commercial Property (Up to 75% LTV)Kentucky Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Kentucky Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))