Lendai Finance for Kentucky investors
Lendai Finance specializes in foreign-national DSCR — non-US-resident investor financing on US real estate, a category most lenders won't touch.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Lendai Finance positions in Kentucky
For Kentucky specifically, Lendai Finance fits investors who match the hard money approach. The high cash flow profile of Kentucky aggregate makes it a target market for Lendai Finance.
City-level coverage in Kentucky
Lendai Finance 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. Lendai Finance 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, bridge, foreign-national |
| Loan size | $75K - $3.0M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
Lendai Finance strengths in Kentucky
- foreign-national DSCR specialist
- experienced cross-border underwriting
Ideal borrower: Foreign-national investor or LLC-wrapped investor
FAQ
Yes, operates nationally including Kentucky. Lendai Finance is based in New York, NY and operates nationally.
Louisville is the top investor market in Kentucky and falls within Lendai Finance national coverage. Louisville property tax follows the Kentucky state rate of 0.9 percent. Lendai Finance typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Lendai Finance. Submarket variation within Lexington matters for property selection.
Lendai Finance 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 Lendai Finance program.
Lendai Finance indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. Lendai Finance follows standard business-purpose loan structures.
Lendai Finance funds fix-and-flip, BRRRR, rental, bridge, foreign-national in Kentucky.
Kentucky allows standard DSCR prepay structures; Lendai Finance typically uses 3-5 year step down.
Lendai Finance typical close: 14-21 days typical.
Bottom line
Lendai Finance 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 Lendai Finance.