Deephaven Mortgage for Kentucky investors
Deephaven Mortgage is a broker-only DSCR lender with a 660 minimum credit score and a firm 1.00 minimum DSCR. Maximum loan size is $2,000,000, with maximum LTV of 80% on purchase/rate-term and 70% on cash-out refinance. The company does not publish minimum loan size, rate, or state-coverage figures in the sources reviewed.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Deephaven Mortgage positions in Kentucky
Kentucky is well covered by national DSCR lenders, with Deephaven Mortgage as one option. Where Deephaven Mortgage differentiates: 1.00 minimum DSCR. Where it competes: rates not publicly published against peer programs.
City-level coverage in Kentucky
Deephaven Mortgage 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. Deephaven Mortgage 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 |
| Loan size | — - $2.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
Deephaven Mortgage strengths in Kentucky
- 1.00 minimum DSCR
- Broker-only origination
- Maximum loan size $2,000,000
- 70% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower with a fully qualifying 1.00+ DSCR.
FAQ
Likely; verify direct Kentucky coverage. Deephaven Mortgage is based in an undisclosed location and operates in states not publicly disclosed.
Louisville is the top investor market in Kentucky and is generally within Deephaven Mortgage states not publicly disclosed footprint. Louisville property tax follows the Kentucky state rate of 0.9 percent. Deephaven Mortgage typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Deephaven Mortgage. Submarket variation within Lexington matters for property selection.
Deephaven Mortgage 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 Deephaven Mortgage program.
Deephaven Mortgage 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. Deephaven Mortgage follows standard business-purpose loan structures.
Deephaven Mortgage funds rental DSCR in Kentucky.
Kentucky allows standard DSCR prepay structures; Deephaven Mortgage typically uses 3-5 year step down.
Deephaven Mortgage typical close: Not publicly published.
Bottom line
Deephaven Mortgage in Kentucky works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Deephaven Mortgage.