Mortgage Capital Funding for Kentucky investors
Mortgage Capital Funding is a broker-only DSCR lender offering a no-ratio program alongside standard DSCR underwriting (0.75 minimum DSCR, 660 minimum credit score). Maximum LTV is 80% on loans up to $1,500,000 for borrowers with a 700+ credit score; overall loan size runs $150,000 to $3,000,000. The company does not publish rate or state-coverage figures in the sources reviewed.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Mortgage Capital Funding positions in Kentucky
The Kentucky lender pool for DSCR includes Mortgage Capital Funding among the active platforms. Kentucky top metros (Louisville, Lexington, Bowling Green) see meaningful Mortgage Capital Funding loan volume.
City-level coverage in Kentucky
Mortgage Capital Funding 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. Mortgage Capital Funding 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 | $150K - $3.0M |
| 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% |
Mortgage Capital Funding strengths in Kentucky
- No-ratio DSCR program available
- Broker-only origination
- 80% LTV up to $1,500,000 at 700+ credit score
- 0.75 minimum DSCR
Ideal borrower: Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.
FAQ
Likely; verify direct Kentucky coverage. Mortgage Capital Funding 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 Mortgage Capital Funding states not publicly disclosed footprint. Louisville property tax follows the Kentucky state rate of 0.9 percent. Mortgage Capital Funding typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Mortgage Capital Funding. Submarket variation within Lexington matters for property selection.
Mortgage Capital Funding 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 Mortgage Capital Funding program.
Mortgage Capital Funding 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. Mortgage Capital Funding follows standard business-purpose loan structures.
Mortgage Capital Funding funds rental DSCR in Kentucky.
Kentucky allows standard DSCR prepay structures; Mortgage Capital Funding typically uses 3-5 year step down.
Mortgage Capital Funding typical close: Not publicly published.
Bottom line
Mortgage Capital Funding 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 Mortgage Capital Funding.