Kentucky Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 Business Days close). In Kentucky (KY), lenders underwrite to a Judicial (Master Commissioner Sale) statutory framework (150–210 days-day average timeline), a 0.83% average property tax rate (~$183/mo at the $265,000 state median), and $580/$100K hazard insurance (~$128/mo).
Private money loans connect real estate investors with non-bank private debt funds, family-office capital, and balance-sheet lenders for time-sensitive acquisitions, partner buyouts, cross-collateralized equity unlocks, and non-conforming investment properties across 1–4 unit and 5+ unit commercial assets.
Median 1–4 unit price of $265,000 (75% LTV = $198,750) with Form 1007 rent of $2,050/mo and multifamily rent of $1,240/door.
Kentucky operates under a Judicial (Master Commissioner Sale) regime (150–210 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.
Close in your Kentucky LLC or Delaware LLC registered in KY with zero personal tax returns, W-2s, or 4506-C transcripts.