This guide is part of my statewide financing library — the plain-English rundown of how each loan type works for Kentucky buyers, from Lexington subdivisions to Gorge cabins and everything between. I’m your agent, not your lender: programs described here come from licensed third-party lenders, and I’ll gladly introduce you to ones who know Kentucky.

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What You Can Use It For

• Closing fast on time-sensitive deals — auctions, foreclosures, motivated sellers
• Financing properties in too poor a condition for traditional loans
• Funding heavy renovations, with up to 100% of rehab costs available
• Bridging to a DSCR or conventional refinance after stabilization

Why Borrowers Choose It

• Speed and certainty that let you write offers cash buyers respect
• No tax returns required — the asset does the qualifying
• Rehab funding to 100% of costs keeps your capital free for the next deal
• Scales from $100K single-families to $5MM projects

Program Highlights

• Minimum FICO required (restrictions apply)
• No tax returns required
• Loan amounts from $100K to $5 million
• Non-owner-occupied only — SFR, 2–4 units & condos
• Up to 100% of rehab costs available
• Prepayment penalty possible up to 24 months — structure around your exit

Highlights reflect lender program guidelines at the time of writing — programs change, and your terms depend on your full application.

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Fast Money for Local Deals

Estate sales, courthouse-steps auctions, and neglected properties are steady sources of opportunity in our counties — and they never wait for bank committees. Hard money closes on the asset’s numbers. The regional advantage is the same as with flips: we can put real contractor eyes on the rehab estimate before you commit, because guessing wrong on repairs is how hard money gets expensive.

Common Questions

Hard money vs. fix-and-flip loan — which one?

They overlap heavily. Fix-and-flip programs suit standard cosmetic-to-moderate rehabs with a fast sale; hard money stretches to rougher properties, unusual situations, and longer holds. Bring the deal — the right label matters less than the right structure.

Isn’t hard money expensive?

Per month, yes — it’s the priciest money on this site. But price it against the profit of a deal you couldn’t otherwise close, not against a 30-year mortgage. Used briefly and exited cleanly, it’s a cost of doing business; held too long, it eats the deal. Plan the exit before you sign.

The standard exit: refinance into a DSCR loan once stabilized.

Equal Housing Lender. This is not a commitment to lend or extend credit. Programs, rates, terms, and conditions are subject to change without notice; all applicants are subject to credit and underwriting approval, and not all applicants will qualify. Program details shown reflect available lender guidelines at the time of writing and may differ at application. Consult your accountant about tax matters. The loan programs described on this page are offered by licensed third-party lenders, not by Marcos Gil. Marcos is a licensed Kentucky real estate agent — not a mortgage loan originator — and can introduce you to a licensed loan officer for any program here. Verify any lender or loan officer at NMLS Consumer Access: nmlsconsumeraccess.org.