Private Hard Money Lending in Kentucky

Designed for both new and seasoned real estate investors active in Kentucky’s fix-and-flip market. Our private lending solutions can fund up to 90% of the property purchase price along with full coverage of renovation costs.

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Reasons to Choose Investors Mortgage Group for Your Kentucky Hard Money Loan

Over 200

Funded Deals

$80M+

Loan Volume

100+

5 Star Reviews

10-14 Days

Avg. Closing Time

In 35 States

Including Kentucky

Why Investors Choose Us for Hard Money Financing in Kentucky

At Investors Mortgage Group, Designed for both new and seasoned real estate investors active in Kentucky’s fix-and-flip market. Our private lending solutions can fund up to 90% of the property purchase price along with full coverage of renovation costs.

We Prioritize Profitable Projects

We focus on funding deals with strong potential for success. This typically includes:

Loan amounts up to 75% of After Repair Value (ARV)

Projects with at least 20% projected ROI

ARV backed by credible sold comps, not inflated listings

At Investors Mortgage Group, we aim for win-win projects that give our borrowers the best chance for success.

We Match Rehab Scope With Experience

As investors build their track record, they gain access to financing for larger and more complex projects:

Beginner investors: Moderate rehabs (rehab ≤ 50% of purchase price)

Intermediate investors (1–2 completed projects): Heavy rehabs (rehab ≤ 100% of purchase price)

Experienced investors (3–5+ completed projects): Expansion projects

Most successful house flippers and BRRR investors follow a repeatable strategy with light and moderate rehabs.

We Reward Creditworthy Borrowers

Even though our loans are asset-based, your credit matters:

Strong credit is one of the best indicators of successful fix-and-flip projects

High credit utilization is common among real estate investors and is generally acceptable for underwriting

Credit scores above 660 are preferred, and we’re happy to work with you and your team

Lending in Strong Oklahoma Submarkets

Leverage is adjusted according to local market conditions:

Up to 75% LTARV in Oklahoma’s strongest housing markets

More conservative leverage (e.g., 65% LTARV) in declining submarkets

In 2025, Oklahoma’s major metros—Oklahoma City, Tulsa, and Norman—have shown steady fundamentals. At Investors Mortgage Group, we are comfortable offering maximum LTV in both large cities and smaller secondary markets for experienced and first-time investors, as long as the deal makes financial sense.

Kentucky Hard Money Loan Program Overview

Kentucky Fix & Flip Financing Beginner

Ideal for new investors with strong credit working on light to mid-level renovation projects.

Up to 90% LTC + 100% rehab (740+ credit)
Up to 80% purchase + full rehab (720+ credit)
Up to 75% purchase + full rehab (660+ credit)
Maximum 75% ARV financing
Rates from 10.75%–11.25%
Origination fee starting at 2%
Loan amounts: $50K–$2M
Moderate rehab only (≤50% of purchase price)
Beginner-friendly fix & flip guide available

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Kentucky Fix & Flip Financing Intermediate

Built for investors with 1–2 completed projects who are planning larger renovation scopes.

Up to 90% LTC + 100% rehab (740+ credit)
Up to 80% purchase + full rehab (680+ credit)
Up to 75% purchase + full rehab (660+ credit)
Financing capped at 75% of ARV
Rates from 10.65%–11.25%
Origination fees starting at 2%
Loan amounts: $50K–$2.5M
Heavy rehab permitted (up to 100% of purchase price)

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Kentucky Fix & Flip Financing Pro

Designed for seasoned investors with 3–5+ completed projects taking on larger, more complex rehab scopes.

Up to 90% LTC + full rehab funding (720+ credit)
Up to 85% purchase + full rehab (680+ credit)
Up to 80% purchase + full rehab (660+ credit)
Financing up to 75% of ARV
Rates starting from 10.5%–10.75%
Origination fees from 1.5%
Loan amounts: $50K–$3.5M
Expansion projects & uneven rehab structures permitted

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State
Kentucky

Loan Type
Fix and Flip

Loan Amount
$333,000

Loan Amount (if applicable)
87% of Purchase + 100% Of Rehab

Rate
10.75%

Points
2.5%

Kentucky Deal Summary

Investors Mortgage Group provided a $333,000 hard money loan to a first-time investor for the purchase and renovation of a 4-bedroom, 2-bathroom, 2,146 sq. ft. property located in Lexington, Kentucky.

The financing covered 87.5% of the purchase price along with 100% of the $90,000 renovation budget. The rehab scope focused on light cosmetic improvements such as a modern kitchen update, hardwood floor refinishing, improved curb appeal, and major upgrades including a new furnace, roof replacement, and necessary foundation repairs.

The borrower was a first-time fix-and-flip investor with strong credit, which qualified them for maximum leverage at 75% of the after-repair value (ARV). The investor contributed $27,000 as a down payment, in addition to closing costs.

The loan request was submitted with sufficient lead time (25 days), allowing the transaction to close smoothly and on schedule without any delays.

Frequently Asked Questions

How Do Hard Money Loans Work in Kentucky?

Hard money loans in Kentucky are short-term, property-backed financing options commonly used by real estate investors to buy, renovate, or develop investment properties. Loan approval is primarily determined by the property’s current value, projected after-repair value (ARV), the investor’s experience, and credit profile, rather than personal income or tax returns.

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

fix and flip loans fall under the category of hard money loans. They are specifically structured to help real estate investors quickly finance the purchase and renovation of distressed properties, with the goal of selling them for a profit.

How Fast Can I Close a Hard Money Loan?

In Kentucky, hard money loans can often be closed in as little as 7–10 business days, depending on factors such as property appraisal timing and document processing. This fast turnaround makes hard money financing a strong option for investors who need to move quickly on competitive deals.

How is the loan-to-value (LTV) calculated for hard money loans in Kentucky?

The loan amount is determined using several factors related to the project and investor profile. In general, first-time investors may qualify for financing of up to 80% of the purchase price plus 100% of the renovation costs. More experienced investors can access higher leverage, with financing of up to 90% of the purchase price along with 100% of the rehab budget.

Can a hard money loan be used for rental properties in Kentucky?

Yes, a hard money loan can be used to acquire and renovate a rental property in Kentucky. Once the property is stabilized, it can be refinanced into a DSCR loan. If the property is already rent-ready at the time of purchase, hard money financing may not be necessary, and you can move directly into DSCR financing.