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

• Buying rental property — long-term or short-term/Airbnb — on the property’s numbers
• Scaling a portfolio past the point where personal DTI math breaks down
• Cash-out refinancing equity from one rental to buy the next
• Out-of-state investors buying Kentucky cabins without moving their financial life here

Why Borrowers Choose It

• No tax returns required — your write-offs stop working against you
• The deal qualifies on the asset, so a strong rental pencils even when your W-2 situation is complicated
• Portfolio-friendly: each property stands on its own coverage ratio
• Available across KY, OH, TX, TN, and FL for multi-state investors

Program Highlights

• No tax returns required
• Available in KY, OH, TX, TN, and FL
• Minimum FICO 640
• Loan amounts from $100K to $5 million
• Investment properties only — SFR, 2–4 units, condos & PUDs
• Prepayment penalty possible — structure it around your exit plan

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

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DSCR Is the Gorge Cabin Loan

Most out-of-state investors buying short-term rentals around Slade, Rogers, and Natural Bridge finance with DSCR — the cabin’s projected rents do the qualifying, which suits buyers from Cincinnati, Columbus, and beyond who keep their financial lives elsewhere. Lenders lean on the same occupancy and rate data we publish in the investment guide; underwrite your own numbers at least as hard as the lender will.

Common Questions

How is the DSCR calculated for a Short-Term Rental?

Coverage is the property’s income against its full payment (principal, interest, taxes, insurance, association dues). For short-term rentals, lenders typically lean on market rent data or documented operating history — the same Mashvisor-style numbers covered in our investment guide.

What about the prepayment penalty?

Many DSCR loans carry one for the first years. If your plan is buy-and-hold, it rarely matters; if you expect to refi or sell fast, say so upfront and we structure around it. Never sign a penalty that fights your exit.

Buying a Gorge cabin? The investment guide covers the numbers DSCR lenders look at.

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.