Skip to main content
✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026✦Prime Rate:7.00%✦Fed Funds:3.75%✦5 Yr Treasury:5.00%↓✦10 Yr Treasury:5.21%↓✦30 Yr Treasury:5.56%↓✦30 Yr Mortgage:7.40%·Updated Oct 13, 2026
Rates

Kentucky DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Kentucky investors qualified on property cash flow, not personal income, W 2s, or tax returns. Serving Louisville, Lexington, Bowling Green and the rest of Kentucky. If the property cash flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best tier from 5.80%
  • 21 to 30 day close

Indicative as of October 1, 2026. Not a quote. Lenders set final pricing at underwriting.

Talk to PeerSenseCalculate Your DSCR

Can I get a DSCR rental loan in Kentucky?

Yes. DSCR loans in Kentucky qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W 2s, or DTI calculation required. 1 to 4 unit residential and 5+ unit multifamily eligible. Governed best tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated October 1, 2026.

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Kentucky Rental Market Snapshot

State level data DSCR underwriters use to size Kentucky rental deals.

Median Home Price
$235K
Statewide single family
Gross Rental Yield
7.0 to 9.5%
Annual rent / price
Eviction Timeline
30 to 45 days
landlord-friendly
Rate Adjustment
neutral
vs national baseline

Kentucky is a stable Midwest South DSCR market anchored by Louisville (UPS Worldport, Ford, healthcare) and Lexington (University of Kentucky, equine industry). Bowling Green's manufacturing base produces higher cap rates with growing LTR demand. State wide median home prices stay below $250K, supporting 1.3+ DSCR coverage on most stabilized SFR deals.

Major Kentucky Markets We Serve

Active DSCR deal flow across Kentucky's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Louisville$235K7.0 to 9.0%Largest KY market, UPS Worldport employment, deep LTR demand
Lexington$285K6.5 to 8.0%UK student housing, equine industry, premium suburban LTR
Bowling Green$245K7.0 to 8.5%WKU + Corvette plant employment, lower entry price
Kentucky investor note:Kentucky has no statewide rent control and a fast non judicial foreclosure process. Louisville's UPS Worldport employment anchors strong LTR demand.

Kentucky Eviction Timeline & Landlord Posture

How Kentucky courts handle non payment evictions, material to DSCR loss severity assumptions.

Posture
landlord-friendly
Typical Timeline
30 to 45 days
Rent Control
None / preempted

Kentucky's URLTA jurisdictions allow a 7 day notice for non payment. Non URLTA counties default to common law rules. Forcible detainer hearings typically scheduled 10 to 14 days after filing.

Kentucky Rate Adjustment vs National Baseline

neutralover national baseline pricing

Sub jumbo loan sizes track conventional non QM curves; non judicial foreclosure reduces lender loss timeline.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best tier floor 5.80% from rate-floors.json as of October 1, 2026.

DSCR Lenders Active in Kentucky

The non bank DSCR programs we see most frequently funding Kentucky rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Kiavi
  • Visio Lending
  • Lima One
  • RCN Capital
  • Easy Street Capital

PeerSense sources capital through a curated network of commercial lenders and capital sources. Lenders listed are programs we have funded Kentucky deals through; specific terms vary by file.

Kentucky DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1 to 4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W 2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21 to 30 daysCash out refi: 14 to 21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.

Get Kentucky DSCR Loan Terms

DSCR Rental: The desk will reach out. No obligation.

How big is your deal?
Where are you in the deal?
Equity or down payment ready
Credit score
Timeline to close
What best describes your company
Liquid funds available outside this deal

Referral fee realized at closing · Or call (317) 452 6990

Related DSCR Resources