Where We Lend

Hard Money & Rental Loans in Kentucky

Louisville rehab stock, Lexington stability, NKY value.

Kentucky pairs two productive metros with a third hiding in plain sight. Louisville's older housing stock is classic BRRRR inventory, Lexington delivers steady university-anchored demand, and Northern Kentucky — Covington, Newport, Florence — trades as part of the Cincinnati metro, right across the river from markets we already lend in. We lend statewide.

Rental property financed with a 30-year DSCR loan
Kentucky
ActiveLending statewide
120Counties eligible
StrongRent-to-price ratios
Loan Products Available in Kentucky

What We Fund Here

Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Markets We Cover

Cities & Counties We Know

Where Pimlico Capital has an active book and on-the-ground knowledge in Kentucky.

Louisville

Highlands, Germantown, Shelby Park, Portland, South End. Deep rehab inventory and dependable rental demand.

Lexington

University of Kentucky–anchored market with stable occupancy and steady appreciation.

Northern Kentucky

Covington, Newport, Florence: Cincinnati-metro demand at Kentucky prices.

Bowling Green

WKU market and one of the state's fastest-growing small metros.

Local Expertise

What we actually know about Kentucky

A non-exhaustive list of the state- and city-specific things we deal with every day.

  • Northern Kentucky underwrites as part of the Cincinnati metro — we lend on both sides of the river.
  • Louisville's pre-war housing stock is classic gut-rehab and BRRRR territory; our draw process is built for it.
  • Kentucky closings coordinated through local counsel and title, with LLC vesting standard.
  • Strong rent-to-price ratios statewide make DSCR qualification straightforward.

Why local knowledge matters

A national lender with a call center won't know that a Baltimore rowhouse needs a ground-rent redemption, or that Charleston STR zoning has three tiers. We've closed thousands of deals — and we've hit (and learned from) every local curveball.

Common Questions

Kentucky Lending FAQ

Do you fund flips in Louisville?
Yes — up to 90% of purchase plus 100% of rehab on a draw schedule, across the metro.
Can you do a DSCR loan in Lexington?
Yes. Lexington's stable rents qualify well, and LLC vesting is standard.
Do you lend in Northern Kentucky / the Cincinnati metro?
Yes. We treat the metro as one market — we already lend across the river in Ohio.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

From the Blog

Investor Guides & Insights

Financing guides and deal breakdowns from our lending team. Browse every market we serve on our Where We Lend page.

Ready to close a deal in Kentucky?

Get a quote in 24 hours or call us right now.

Get a Quote Call (410) 855-4600
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