Kentucky Ground-Up Construction provide business-purpose real estate investors with Up to 85% LTC / 70%–75% Completed ARV across loan amounts from $100,000 – $15,000,000+ at 9.75% – 11.75% Interest-Only on Drawn Funds (12 – 24 Months Interest-Only, 660+ FICO min FICO, 14 – 21 Business Days close). In Kentucky (KY), lenders underwrite to a Judicial (Master Commissioner Sale) statutory framework (150–210 days-day average timeline), a 0.83% average property tax rate (~$183/mo at the $265,000 state median), and $580/$100K hazard insurance (~$128/mo).
Ground-up construction loans finance infill spec homes, luxury rebuilds, ADU/casita additions, 2–4 unit townhomes, and 5–25+ unit build-to-rent communities up to 85% Loan-to-Cost (LTC), crediting verified land equity toward the builder’s down payment requirement.
Median 1–4 unit price of $265,000 (75% LTV = $198,750) with Form 1007 rent of $2,050/mo and multifamily rent of $1,240/door.
Kentucky operates under a Judicial (Master Commissioner Sale) regime (150–210 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.
Close in your Kentucky LLC or Delaware LLC registered in KY with zero personal tax returns, W-2s, or 4506-C transcripts.