Constructive Loans for Kentucky investors
Constructive Loans has particular strength in new construction and ground-up development financing across multiple states including Illinois.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Constructive Loans positions in Kentucky
The Kentucky lender pool for DSCR includes Constructive Loans among the active platforms. Kentucky top metros (Louisville, Lexington, Bowling Green) see meaningful Constructive Loans loan volume.
City-level coverage in Kentucky
Constructive Loans provides DSCR coverage across Kentucky metros including Louisville, Lexington, and Bowling Green. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Constructive Loans program terms apply uniformly across Kentucky metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, rental, new-construction, bridge |
| Loan size | $75K - $5.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
Constructive Loans strengths in Kentucky
- experienced new construction underwriting
- broad product suite
Ideal borrower: Investor with new construction or ground-up plans
FAQ
Yes, operates nationally including Kentucky. Constructive Loans is based in New York, NY and operates nationally.
Louisville is the top investor market in Kentucky and falls within Constructive Loans national coverage. Louisville property tax follows the Kentucky state rate of 0.9 percent. Constructive Loans typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Constructive Loans. Submarket variation within Lexington matters for property selection.
Constructive Loans applies the same rate sheet across Kentucky metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Louisville, Lexington, and Bowling Green all qualify for the same Constructive Loans program.
Constructive Loans indicative DSCR rate range is 9 to 12 percent with 1 to 3 points.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. Constructive Loans follows standard business-purpose loan structures.
Constructive Loans funds fix-and-flip, BRRRR, rental, new-construction, bridge in Kentucky.
Kentucky allows standard DSCR prepay structures; Constructive Loans typically uses 3-5 year step down.
Constructive Loans typical close: 10-21 days typical.
Bottom line
Kentucky investors considering Constructive Loans should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Constructive Loans.