Long-term rental financing for investment properties across Kentucky — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Kentucky metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Louisville logistics anchor (UPS Worldport + Ford) drives steady rental demand. Lexington adds horse-country + UK + healthcare. Acquisition basis stays affordable relative to gross rents, and non-judicial foreclosure keeps holds projectable.
Louisville hosts UPS Worldport (the world's largest air-freight hub) and multiple Ford truck plants. That anchors long-term employment and steady rental demand across the metro.
Lexington combines horse-country + University of Kentucky + a growing tech and healthcare base. Rental demand stays deep and predictable.
Kentucky acquisition basis stays affordable relative to gross rents. Non-judicial foreclosure and standard eviction timelines keep holds projectable.
Whether you're closing a single-asset SFR in a smaller Kentucky market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Jefferson County + St. Matthews, Middletown, PRP, Jeffersontown
Fayette County — UK + horse-country market
Warren County — WKU + Corvette / GM plant demand
Covington, Newport, Florence — Cincinnati metro adjacencies
Daviess County — Ohio River SFR market
Hardin County — Fort Knox demand + Louisville-adjacent
Lexington-adjacent Toyota + college markets
Statewide coverage — send us any Kentucky property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Kentucky properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Kentucky — Louisville Metro, Lexington, Bowling Green, Northern Kentucky, Owensboro, and every other KY metro. Rates from 5.75%, up to 80% LTV.
Kentucky DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Kentucky metro. High-volume markets: Louisville Metro, Lexington, Bowling Green, Northern Kentucky, Owensboro. Secondary markets welcome.
Louisville logistics anchor (UPS Worldport + Ford) drives steady rental demand. Lexington adds horse-country + UK + healthcare. Acquisition basis stays affordable relative to gross rents, and non-judicial foreclosure keeps holds projectable.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Kentucky DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Kentucky metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Kentucky builders. 85% land + 85% build. $100K–$7.5M.