Conventus for Kentucky investors
Conventus is a direct DSCR lender with a short-term rental underwriting focus, licensed in California plus 44 other states (45 total). The company does not publish minimum credit score, DSCR, loan size, or rate figures in the sources reviewed; borrowers should request current terms directly.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Conventus positions in Kentucky
Within Kentucky, Conventus competes alongside other DSCR lenders. Conventus strengths: Short-term rental DSCR underwriting focus, Direct lender. The high aggregate DSCR economics of Kentucky create demand for Conventus programs in Louisville and Lexington particularly.
City-level coverage in Kentucky
Conventus 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. Conventus program terms apply uniformly across Kentucky metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR, STR DSCR |
| Loan size | — - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
Conventus strengths in Kentucky
- Short-term rental DSCR underwriting focus
- Direct lender
- Licensed in California plus 44 other states (45 total)
Ideal borrower: Short-term rental investor seeking a DSCR lender that specializes in STR underwriting.
FAQ
Yes, operates nationally including Kentucky. Conventus is based in an undisclosed location and operates nationally.
Louisville is the top investor market in Kentucky and falls within Conventus national coverage. Louisville property tax follows the Kentucky state rate of 0.9 percent. Conventus typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Conventus. Submarket variation within Lexington matters for property selection.
Conventus 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 Conventus program.
Conventus does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. Conventus follows standard business-purpose loan structures.
Conventus funds rental DSCR, STR DSCR in Kentucky.
Kentucky allows standard DSCR prepay structures; Conventus typically uses 3-5 year step down.
Conventus typical close: Not publicly published.
Bottom line
Kentucky investors considering Conventus should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Conventus.