Kentucky DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Kentucky (KY) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Kentucky utilize Judicial (Master Commissioner Sale) security instruments, with an average non-homestead effective property tax rate of 0.83%, a median 1–4 unit investment home price of $265,000 (median rent $2,050/mo), and 5+ unit multifamily market rents averaging $1,240/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Judicial (Master Commissioner Sale)EFFECTIVE PROPERTY TAX
0.83% Avg ($183/mo)MEDIAN 1–4 UNIT PRICE & RENT
$265,000 · $2,050/mo5+ UNIT MULTIFAMILY RENT
$1,240/door/moKentucky Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $265,000·Loan/Door: $198,750·Avg Rent/Door: $2,050/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.32xCanonical:
132 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$198,75019,875,000 _cents
Monthly P&I Debt Service$1,273/mo@ 6.625% Note Rate
Total Monthly PITIA$1,549/moTax: $183 · Ins: $93
Net Monthly Cash Flow+$501/mo$6,016/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $1,549/mo | 1.32x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $1,582/mo | 1.30x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,435/mo | 1.43x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Kentucky Cities with Population ≥ 50,000 (4 Markets)
Click any Kentucky city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (KY) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Louisville/Jefferson County, KY → | Louisville/Jefferson County Metro County County | 664,783 | 0.86% | $320,000 | $2,450/mo | $1,500/door |
| Lexington-Fayette, KY → | Lexington-Fayette Metro County County | 336,187 | 0.83% | $270,000 | $2,100/mo | $1,275/door |
| Bowling Green, KY → | WARREN County County | 67,022 | 0.86% | $260,000 | $2,000/mo | $1,225/door |
| Owensboro, KY → | DAVIESS County County | 63,673 | 0.88% | $265,000 | $2,050/mo | $1,225/door |