LoanFunders for Kentucky investors
LoanFunders is a direct DSCR lender with a 0.80 minimum DSCR floor (1.15 DSCR required for its best pricing tier) and a 660 minimum credit score. Minimum loan size is $100,000, with maximum LTV of 80% (75% on 2–8 unit properties). The company does not publish maximum 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 LoanFunders positions in Kentucky
Within Kentucky, LoanFunders competes alongside other DSCR lenders. LoanFunders strengths: 0.80 minimum DSCR floor (1.15 DSCR for best pricing), Direct lender. The high aggregate DSCR economics of Kentucky create demand for LoanFunders programs in Louisville and Lexington particularly.
City-level coverage in Kentucky
LoanFunders 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. LoanFunders 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 | $100K - — |
| 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% |
LoanFunders strengths in Kentucky
- 0.80 minimum DSCR floor (1.15 DSCR for best pricing)
- Direct lender
- $100,000 minimum loan size
- Maximum 80% LTV (75% on 2–8 unit properties)
Ideal borrower: Investor with at least 0.80 DSCR seeking a direct lender; best pricing available at 1.15+ DSCR.
FAQ
Likely; verify direct Kentucky coverage. LoanFunders 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 LoanFunders states not publicly disclosed footprint. Louisville property tax follows the Kentucky state rate of 0.9 percent. LoanFunders typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from LoanFunders. Submarket variation within Lexington matters for property selection.
LoanFunders 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 LoanFunders program.
LoanFunders 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. LoanFunders follows standard business-purpose loan structures.
LoanFunders funds rental DSCR in Kentucky.
Kentucky allows standard DSCR prepay structures; LoanFunders typically uses 3-5 year step down.
LoanFunders typical close: Not publicly published.
Bottom line
LoanFunders 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 LoanFunders.