Investment property financing built for Kentucky
Kentucky punches above its weight in commercial real estate thanks to location, sitting at the crossroads of I-64, I-65, and I-75 within a day’s reach of much of the country. Louisville is the largest and most liquid market, followed by the Lexington/Bluegrass region, Northern Kentucky (part of Greater Cincinnati), and fast-growing south-central hubs like Bowling Green, Owensboro, and Elizabethtown. New City Financial funds deals here the way investors operate — on the strength of the property and its cash flow, not a stack of personal paperwork.
Because we underwrite the asset’s income rather than your tax returns, our programs fit the realities of the Kentucky market: self-employed and portfolio investors, LLC-titled property, and out-of-state buyers drawn by an affordable basis and reasonable cap rates. Whether you’re acquiring a rental in Louisville, refinancing an apartment building in Lexington, or pulling cash out of a Northern Kentucky portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Kentucky investors
Every New City Financial program is available on qualifying Kentucky investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Kentucky
We lend on business-purpose investment and commercial real estate across Kentucky — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Kentucky investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Kentucky? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Kentucky commercial loan FAQs
Does New City Financial lend on investment property in Kentucky?
Yes. We finance business-purpose investment and commercial real estate across Kentucky — from Louisville and the Lexington/Bluegrass region to Northern Kentucky (part of Greater Cincinnati), Bowling Green, Owensboro, and Elizabethtown. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Kentucky commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for Kentucky’s self-employed operators and LLC-titled investors.
What credit score do I need for a DSCR loan in Kentucky?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a standard loan-to-value of up to 75%, a strong, cash-flowing Kentucky asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Kentucky?
Most Kentucky files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast, so you can move on a deal in Louisville, Lexington, or Northern Kentucky without waiting on a bank committee.
What loan-to-value can I get on Kentucky investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Can I get a fix and flip loan for a Kentucky property?
Yes. We offer short-term financing for business-purpose value-add and renovation deals across Kentucky’s affordable markets — up to 75% LTV, from a 500 FICO, and closing in under three weeks so you can renovate and exit or refinance without delay. Primary residences are not eligible.
Financing your Kentucky deal with New City Financial
New City Financial provides business-purpose financing on Kentucky investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.