DSCR Financing in KY

DSCR Loans in Kentucky

Louisville BRRRR inventory, Lexington horse-country appreciation, and Derby-week STR bumps. Kentucky is a small but deep SFR cash-flow state.

Local Market Context

Investor Markets in Kentucky

Louisville

The state's top investor market with deep SFR inventory and BRRRR-friendly Class C neighborhoods.

Lexington

University of Kentucky rentals and horse-country appreciation.

Bowling Green

Western Kentucky University student housing and steady workforce rentals.

Covington

Cincinnati-metro spillover SFRs with urban revitalization upside.

Common Properties

What Investors Finance in Kentucky

✓Louisville Class C BRRRR SFRs
✓Lexington university and professional rentals
✓Derby-week premium STRs in Louisville
✓Covington spillover SFRs
✓Section 8 portfolios in Louisville

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Kentucky

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

Program 3 cash-out in Kentucky is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.

Kentucky DSCR FAQ

Does Get Brick Capital offer DSCR loans in Kentucky?

Yes. Kentucky is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Kentucky?

Yes. Program 7 can be available in Kentucky for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Kentucky DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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