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Hard Money Lenders
Kentucky

For experienced and beginner investors flipping Kentucky’s real estate market. Our hard money loans cover up to 90% Of Purchase + 100% of Rehab.
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Funded Kentucky Fix and Flip
Funded Kentucky Fix and Flip
Loan Amount: $333,000
LTV: 87.5% of Purchase + 100% of Rehab
  • Rate 10.75%
  • 12 Months
  • Points 2.25%
  • 14 Days to Close

Why ChOose Ridge Street For Your Kentucky Hard Money Loan

Over 200
Funded Deals
$80M+
Loan Volume
70+
5 Star Reviews
10-14 Days
Avg. Closing Time
In 35 States
Including Kentucky

How We Evaluate Hard Money Loans In Kentucky

At Ridge Street Capital, we’re more than just a national lender—we're the lender of choice for Kentucky real estate investors looking for fast, reliable funding. This section is here to give you a transparent view into how we evaluate fix and flip opportunities across the state. Here’s how we evaluate your deal:

1.  We Prioritize Profitable Projects

We fund deals with strong potential for success. That typically means:

  • Loan amounts up to 75% of After Repair Value
  • ‍Projects with at least 20% projected ROI
  • ‍An ARV backed by credible sold comps, not inflated listings
We’re looking for win-win projects where our borrowers will be successful.

2. We Match Rehab Scope With Experience

As an investor builds their track record, access to financing on larger more complex projects is provided:

  • ‍Beginner investors should focus on moderate rehab deals (Rehab <= 50%Purchase Price)
  • Intermediate flippers with 1-2 completes projects, can pursue heavy rehabs (Rehab <= 100% Of Purchase)
  • Experience investors with 3-5+ completed projects can be financed on expansion projects
Most successful house flippers and BRRR investors have a rinse a repeat strategy with light and moderate rehabs.

3.  We Reward Creditworthy Borrowers

While our loans are asset-based, your credit still matters.

  • Strong credit is the highest indicators of successful fix and flips across our protfolio
  • Real Estate investors often have high credit utilization which can bring down their scores - this is acceptable for underwriting
If you're credit score is above 660 we'll be happy to work with you and your team.

4.   Lending in Strong Kentucky Submarkets

Leverage is adjusted based on local market strength.
Up to 75% LTARV in Kentucky's strongest housing markets and more conservative (e.g., 65% LTARV) in declining submarkets.
‍
In 2025, Kentucky’s major markets—such as Louisville, Lexington, and Bowling Green—have remained steady, supported by diverse rental demand and moderate home price growth. Ridge Street does not flag any submarkets in Kentucky for reduced leverage, so we’re comfortable offering our maximum LTV statewide. Whether targeting larger metro areas or smaller secondary cities, we’re open to funding both new and experienced investors.

Kentucky Hard Money Loan Product Details

Kentucky Fix and Flip Loan Beginner

Perfect for first-time investors with solid credit, doing light to moderate rehab projects.

Up to 90% Loan-to-Cost (LTC) and 100% Rehab with 740+ credit

Up to 80% Purchase + 100% Rehab with 720+ credit

Up to 75% Purchase + 100% Rehab with 660+ credit

Max 75% Loan to After-Repair Value (LTARV)

Interest Rates from 10.75% to 11.25%

Origination Fee: From 2.0%

Loan Size: $50,000 to $2,000,000

Moderate Rehab Only (Rehab ≤ 50% of Purchase Price)

See our Guide on Fix and Flip Loans For Begginers

Learn More
Get Approved Online

Kentucky Fix and Flip Loan Intermediate

Designed for investors with 1-2 experiences and larger rehab goals.

Up to 90% LTC + 100% Rehab with 740+ credit

Up to 80% Purchase + 100% Rehab with 680+ credit

Up to 75% Purchase + 100% Rehab with 660+ credit

Max 75% Loan to After-Repair Value (LTARV)

Intersest Rates from 10.65%–11.25%

Origination Fee From 2.0%

Loan Size $50,000–$2,500,000

Heavy Rehab Allowed (Rehab ≤ 100% of Purchase)

Use our Fix and Flip Loan Calculator

Learn More
Get Approved Online

Kentucky Fix and Flip Loan Pro

Ideal for experienced investors with 3-5+ experiences pursuing heavier rehab projects.

Up to 90% LTC + 100% Rehab with 720+ credit

Up to 85% Purchase + 100% Rehab with 680+ credit

Up to 80% Purchase + 100% Rehab with 660+ credit

Max 75% Loan to After-Repair Value (LTARV)

Interest Rates from 10.5% to 10.75%

Origination Fee: From 1.5%

Loan Size from $50,000–$3,500,000

Expansion Projects and lopsided rehabs allowed

Learn More
Get Approved Online

Check To See What Terms You Qualify for?

See Your Terms

Kentucky Hard Money Loan process

We make funding your Kentucky real estate investment fast and simple. Our process is streamlined for speed and transparency— with closings in as little as 7-14 business days.

Hard Money Loan Step 1 Container
Step 1 Icon

Apply Or Get Pre-Approved Online

~ 2mins
Fill out a 2 Min Quick App with info about your Kentucky based project. We need some preliminary information so that we can accurately evaluate your deal.

Whether you're actively under contract or just looking to get pre-approved, we’ll review your application details and get back to you within the same business day.
Request A Term Sheet | Get Pre-Approved | Schedule A Call
Loan Process Step 2
Step 2 Icon

Receive a Term Sheet

~ 2mins
Once we have your completed application, we’ll send you a The Term Sheet via email that will provide a clear breakdown of the loan amount, rate, fees, non-lender costs, and estimated cash to close. We’ll also follow-up with a call to walk you through the process.
Hard Money Loan Process Step 3 Container
Step 3 Icon

Submit Docs

~ 1-7 days
Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin formally underwriting the loan. We’ll collect documents like an ID, purchase contract, and rehab budget, and Entity Documents.
Loan Process Step 4
Step 4

Appraisal

~ 2-7 days
Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days. We have quick turn around appraisal option to make sure our Kentucky based deals can close quickly.
Hard Money Loan Process Step 5 Container
Step 5 Icon

Closing

~ 1-3 days
Once we have the completed document package, we’ll schedule closing with your title company or attorney. Funds are wired same-day after signing. You’ll get a copy of the final HUD and wire confirmation.
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Funded Kentucky Hard Money Loan

A Proven Track Record Funding Projects Like These

State
Kentucky
Loan Type
Fix and Flip Loan
Loan Amount
$333,000
Loan Amount (if applicable)
87.5% of Purchase + 100% Of Rehab
Rate
10.75%
Points
2.25%

Kentucky Deal Summary

Ridge Street Capital provided a $333,000 hard money loan to a first time investor for the acquisition and renovation of a 4-bedroom, 2-bathroom, 2,146sq. ft. property in Lexington, KY.

The loan covered 87.5% of the purchase price and 100% of the $90,000 rehab budget, which focused on light cosmetic upgrades, including modernizing the kitchen, refinishing hardwood floors, enhancing curb appeal, as well as a new furnace, roof, and foundation repairs.

The borrower was a first time fix and flip investor with excellent credit, so we offered maximum leverage at 75% of the After Repair Value. The borrower came out of pocket with a $27,000 down payment plus closing costs.

We received the loan request with ample time (25 Days) and closed on time without any issues.

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Get Terms For Your Project
Kentucky Hard Money LOan

Client Review

"I used Ridge Street Capital for a flip in Lexington and had a really good experience. The funding came through on time as promised, which is all you can ask for on my projects. Great job team!”

Jason H. - Lexington, KY Investor

Frequently Asked Questions

How do Hard Money Loans work in Kentucky?

Hard money loans in Kentucky are short-term, asset-based loans used by real estate investors to purchase, rehab, or build investment properties. Approval is based on the property’s current value, after-repair value (ARV), your investing track record, and credit score—not your personal income. Kentucky hard money lenders like Ridge Street Capital can close in as little as 7-10 days, making them ideal for competitive markets like Lexington and Louisville.

Are Fix and Flip Loans the same as Hard Money Loans?

Yes, fix and flip loans are a type of hard money loan. They’re specifically designed to help investors quickly secure funds for the purchase and rehab of distressed properties before reselling for profit. Check out our complete guide for fix and flip loans.

Can I finance 100% of my Fix & Flip with a Hard Money Loan?

In Kentucky, Ridge Street requires investors to bring 10–20% of the project cost as a down payment. However, experienced investors or first time investors with strong credit may qualify for up to 90% Loan-to-Cost (LTC) and 100% of rehab expenses, effectively covering the full renovation budget.

How Fast can I Close a Hard Money Loan?

In Kentucky, Ridge Street can close hard money loans  in as little as 7–10 business days, depending on appraisal and document turnaround.

Do Hard Money Loans Require a Good Credit Score?

While credit score matters, Ridge Street’s hard money loans focus more on the property’s value and your exit strategy. Borrowers who have credit scores as low as 660 are eligible for financing, with better terms available for scores of 740+.

Do you offer DSCR Loans in Kentucky?

Yes, we offer DSCR (Debt Service Coverage Ratio) loans in Kentucky. We have DSCR Loans For Long Term Rentals and DSCR Loans For Short Term Rentals like Airbnb and VRBO.

How do I Find Good Fix and Flip Deals in Kentucky?

Kentucky investors often find deals through wholesalers, foreclosures, REO (bank-owned) listings, MLS searches, and local real estate investment groups. Building relationships local real estate agents and wholesalers can give you early access to off-market opportunities. It is extremely important to be patient when looking for deals anf move quickly once you find the right investment.

Can I use a Hard Money Loan for a BRRRR Project in KY?

Yes, many Kentucky investors use our hard money loans to purchase and rehab a property, then refinance into a long-term DSCR loan to hold it as a rental. Use our BRRRR Calculator to run the analysis on your BRRRR Project.

Do I need an LLC to get a Hard Money Loan in Kentucky?

Yes, in Kentucky, Ridge Street requires borrowers to purchase fix and flips through an LLC or Corporation. Setting up an LLC is actually quite straight forward process. We can recomend this guide for setting up an LLC in Kentucky: Starting An LLC in Kentucky

Where can I Learn More about Real Estate Investing in KY?

One of the best ways to get started is by attending local real estate investor (REI) meetups and networking events. Connecting with experienced investors can help you learn market trends, find partners, and source deals.

In Louisville, the KREIA – Kentucky Real Estate Investors Association hosts monthly meetings, workshops, and networking events.

In Lexington, the Bluegrass Real Estate Investors Association (BREIA) offers education, mentoring, and deal opportunities.
‍
For a statewide and national resource, check out BiggerPockets, where you can connect with Kentucky investors, access tools, and read educational articles.

Best Cities To Invest In Real Estate
In Kentucky

Lexington

Lexington’s flip opportunities are strongest in older neighborhoods close to downtown and the university, where dated 1950s-70s homes regularly hit the market. Cosmetic upgrades - modern kitchens, baths, and open floor plans—tend to drive quick resale demand from young professionals and first-time buyers. Inventory is limited, so investors who buy off-market or move quickly on distressed listings often secure the best spreads. The key is conservative underwriting, as appreciation has slowed compared to previous years.

Louisville

Louisville remains a steady flip market, thanks to its diverse housing stock and relatively affordable entry prices. Established neighborhoods like Germantown, Highlands, and St. Matthews reward investors who modernize older homes with stylish finishes, while first-ring suburbs also provide strong resale demand. Many properties still sell below replacement cost, giving room for profit when repositioned as turnkey. The main risk lies in outlying areas with slower absorption - choosing walkable, in-demand locations is critical to ensuring flips move quickly.

Additional Hard Money Loan Resources

View More

November 9, 2024

Fix and Flip Calculator

Use this Fix and Flip Calculator to analyze the profit of your next fix and flip project.

July 31, 2024

BRRRR Calculator

Use this interactive BRRRR Calculator for evaluating your investment property deals in minutes.

July 9, 2024

Best Fix and Flip Loans for First-Time Investors

What makes a good Fix and Flip Loan for a first time investor and how to secure this capital?

READY TO GET
STARTED

With Ridge Street, obtaining an investment property loan is easier than you think! You can get pre-approved online and a Term Sheet that meets your needs will be sent to you within the same business day.

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Products

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Where We Lend

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Top Cites We Lend In

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Top Resources

DSCR Loans For AirbnbFirst Time Fix and Flip LoansDSCR Loans vs Conventional LoansDSCR Loan Pros and ConsBRRRR CalculatorDSCR Loan CalculatorFix and Flip CalculatorDSCR Loan Master Guide

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cohen@ridgestreetcap.com

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