Dominion Financial Services for Kentucky investors
Dominion Financial Services is an established lender with comfort on distressed properties and flexibility on borrower credit profiles.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Dominion Financial Services positions in Kentucky
Within Kentucky, Dominion Financial Services competes alongside other DSCR lenders. Dominion Financial Services strengths: experienced underwriting, distressed property comfort. The high aggregate DSCR economics of Kentucky create demand for Dominion Financial Services programs in Louisville and Lexington particularly.
City-level coverage in Kentucky
Dominion Financial Services 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. Dominion Financial Services 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, bridge, rental |
| Loan size | $50K - $5.0M |
| Rates | 9.5%-12.5% |
| Points | 1.5 - 4 |
| Max LTV | 75% of ARV |
| Term lengths | 6-18 months |
| Typical close time | 7-14 days typical |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
Dominion Financial Services strengths in Kentucky
- experienced underwriting
- distressed property comfort
- flexible on credit
Ideal borrower: Investor on distressed deals or with credit hair
FAQ
Yes, operates nationally including Kentucky. Dominion Financial Services is based in Baltimore, MD and operates nationally.
Louisville is the top investor market in Kentucky and falls within Dominion Financial Services national coverage. Louisville property tax follows the Kentucky state rate of 0.9 percent. Dominion Financial Services typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Dominion Financial Services. Submarket variation within Lexington matters for property selection.
Dominion Financial Services 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 Dominion Financial Services program.
Dominion Financial Services indicative DSCR rate range is 9.5 to 12.5 percent with 1.5 to 4 points.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. Dominion Financial Services follows standard business-purpose loan structures.
Dominion Financial Services funds fix-and-flip, bridge, rental in Kentucky.
Kentucky allows standard DSCR prepay structures; Dominion Financial Services typically uses 3-5 year step down.
Dominion Financial Services typical close: 7-14 days typical.
Bottom line
For Kentucky DSCR borrowers, Dominion Financial Services is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Dominion Financial Services.