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

• Purchasing commercial buildings — retail, office, mixed-use, industrial, hospitality
• Financing 5+ unit multifamily and cabin-portfolio properties
• Cash-out refinancing up to $5 million to fund the next acquisition or improvements
• Interest-only periods to maximize cash flow during lease-up or renovation

Why Borrowers Choose It

• LTV up to 80% — strong leverage for income property
• DSCR accepted as low as 1:1, so break-even properties with upside still finance
• Interest-only options support value-add plans
• Capacity to $250 million: the program scales with your ambitions

Program Highlights

• LTV up to 80%
• Max loan amount $250 million
• All commercial property types
• Minimum FICO 640
• Interest-only loans available
• DSCR as low as 1:1 accepted
• Cash-out up to $5 million

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

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Commercial Opportunity in a Tourism Economy

A million-plus annual visitors need places to eat, sleep, park, and play — and the Gorge’s commercial stock is still catching up. Campgrounds, small lodges, restaurants in Slade and Stanton, storage, and 5+ cabin portfolios all fit commercial financing. Local knowledge matters here: we know which corridors get the traffic because we drive them every day.

Common Questions

I own several Gorge cabins — is that “commercial”?

It can be. Portfolios and 5+ unit situations often finance better under one commercial umbrella than as a stack of individual loans — one payment, one lender, blended terms. Bring the rent rolls and we’ll compare both structures.

What does a commercial lender actually underwrite?

The property’s net operating income against the proposed payment (that’s the DSCR), the tenancy and leases, your experience, and the exit. Clean books and realistic projections move commercial deals more than credit scores do.

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.