Pillar Capital Partners for Kentucky investors
Pillar Capital Partners runs both private money and DSCR rental products with a Midwest focus.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How Pillar Capital Partners positions in Kentucky
Within Kentucky, Pillar Capital Partners competes alongside other DSCR lenders. Pillar Capital Partners strengths: Midwest focus, experienced underwriting. The high aggregate DSCR economics of Kentucky create demand for Pillar Capital Partners programs in Louisville and Lexington particularly.
City-level coverage in Kentucky
Pillar Capital Partners 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. Pillar Capital Partners program terms apply uniformly across Kentucky metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | Private money |
|---|---|
| Products | fix-and-flip, rental, bridge, private notes |
| Loan size | $75K - $2.5M |
| Rates | 10%-12.5% |
| Points | 1.5 - 3 |
| Max LTV | 70% of ARV |
| Term lengths | 6-18 months (hard money) / 30-year (rental) |
| Typical close time | 7-14 days typical |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
Pillar Capital Partners strengths in Kentucky
- Midwest focus
- experienced underwriting
- broad product suite
Ideal borrower: Mid-to-experienced investor in Chicago or Milwaukee
FAQ
Likely; verify direct Kentucky coverage. Pillar Capital Partners is based in Chicago, IL and operates in Chicago and Milwaukee metros.
Louisville is the top investor market in Kentucky and is generally within Pillar Capital Partners Chicago and Milwaukee metros footprint. Louisville property tax follows the Kentucky state rate of 0.9 percent. Pillar Capital Partners typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from Pillar Capital Partners. Submarket variation within Lexington matters for property selection.
Pillar Capital Partners 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 Pillar Capital Partners program.
Pillar Capital Partners indicative DSCR rate range is 10 to 12.5 percent with 1.5 to 3 points.
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant. Pillar Capital Partners follows standard business-purpose loan structures.
Pillar Capital Partners funds fix-and-flip, rental, bridge, private notes in Kentucky.
Kentucky allows standard DSCR prepay structures; Pillar Capital Partners typically uses 3-5 year step down.
Pillar Capital Partners typical close: 7-14 days typical.
Bottom line
Pillar Capital Partners 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 Pillar Capital Partners.