RCN Capital for Kentucky investors
RCN Capital is a national non-QM lender with capacity for larger transactions and strong experience on multi-unit and small commercial deals. Minimum DSCR is 1.00 at 680+ credit score or 1.15 at 660-679; excludes Alaska, North Dakota, South Dakota, Vermont, Nevada, and Utah. Closes in as few as 10 business days.
Kentucky context
Kentucky low property tax. Strong DSCR cash flow. Louisville and Lexington dominant.
How RCN Capital positions in Kentucky
Kentucky is well covered by national DSCR lenders, with RCN Capital as one option. Where RCN Capital differentiates: high loan limits. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Kentucky
RCN Capital 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. RCN Capital 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, new-construction |
| Loan size | $100K - $3.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 10-21 days typical |
| Kentucky property tax | 0.9% |
| Kentucky state income tax | 4.5% |
RCN Capital strengths in Kentucky
- high loan limits
- established track record
- multi-family capacity
Ideal borrower: Investor with larger deals and multi-property exposure
FAQ
Yes, operates nationally including Kentucky. RCN Capital is based in South Windsor, CT and operates nationally.
Louisville is the top investor market in Kentucky and falls within RCN Capital national coverage. Louisville property tax follows the Kentucky state rate of 0.9 percent. RCN Capital typically underwrites Louisville acquisitions at standard rate sheets.
Yes. Lexington ranks among the larger Kentucky investor metros and sees consistent DSCR loan volume from RCN Capital. Submarket variation within Lexington matters for property selection.
RCN Capital 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 RCN Capital program.
RCN Capital 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. RCN Capital follows standard business-purpose loan structures.
RCN Capital funds fix-and-flip, BRRRR, rental, bridge, new-construction in Kentucky.
Kentucky allows standard DSCR prepay structures; RCN Capital typically uses 3-5 year step down.
RCN Capital typical close: 10-21 days typical.
Bottom line
Kentucky investors considering RCN Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with RCN Capital.