Where we lend · Kentucky (KY)
Investment property financingin Kentucky.
Fix & flip, DSCR rental, bridge and construction loans for investors in Louisville, Lexington, Bowling Green and across Kentucky. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Kentucky,at a glance.
Kentucky is an affordable, landlord-friendly market that has been gaining attention from real estate investors seeking strong cash flow. Louisville, the state's largest city, offers a diverse economy driven by healthcare (Humana), logistics (UPS Worldport), and bourbon tourism, with median home prices around $230K. Lexington benefits from the University of Kentucky and the horse racing industry, providing steady rental demand. Northern Kentucky (Covington, Florence, Newport) is effectively part of the Cincinnati metro, offering Ohio-adjacent investment opportunities at Kentucky tax rates. Bowling Green has a growing manufacturing sector anchored by the GM Corvette plant.
Markets we serve
- Louisville
- Lexington
- Bowling Green
- Owensboro
- Covington
Why AIRE Lending in Kentucky
- Programs designed for Kentucky's affordable price points
- DSCR lending optimized for Louisville and Lexington rental yields
- Experience with Northern Kentucky's Cincinnati-adjacent market
- Fast closings across the state
- Understanding of Kentucky's favorable investor tax environment
Programs available
What we lendin Kentucky.
Loan programs currently available through AIRE Lending in KY.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Kentucky licensing and compliance
Kentucky does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Kentucky lending regulations.
Questions, answered
Lending in Kentucky,explained.
What makes Louisville a good investment city?
Louisville combines affordable property prices, strong and diverse employment (Humana, UPS, bourbon industry), and a growing population. The city's many historic neighborhoods offer renovation opportunities, while suburban areas provide stable rental investments. Many investors achieve cap rates of 8-12%.
Do you finance in Northern Kentucky?
Yes. Northern Kentucky — Covington, Newport, Florence, Fort Thomas — is effectively part of the Cincinnati metro and offers strong investment opportunities. We finance properties throughout the NKY area.
What are typical rates for Kentucky investment loans?
Fix and flip loans in Kentucky typically range from 9.5% to 12.5%. DSCR rental loans start in the low 7% range. Kentucky's affordable price points mean strong cash-on-cash returns even with private lending rates.
Is Kentucky landlord-friendly?
Kentucky is generally landlord-friendly with a reasonable eviction process and no rent control. The state's affordable property prices and moderate regulations make it attractive for building rental portfolios.