Kentucky Bridge Loans provide business-purpose real estate investors with Up to 80% LTV Acquisition / 75% Bridge Cash-Out across loan amounts from $100,000 – $15,000,000+ at 8.75% – 10.99% Interest-Only (12, 24 & 36 Months (With Extension Options), 640+ FICO min FICO, 10 – 15 Business Days close). In Kentucky (KY), lenders underwrite to a Judicial (Master Commissioner Sale) statutory framework (150–210 days-day average timeline), a 0.83% average property tax rate (~$183/mo at the $265,000 state median), and $580/$100K hazard insurance (~$128/mo).
Real estate bridge loans provide transitional interest-only financing to acquire vacant or under-market properties, complete value-add lease-up on 5–25+ unit apartments, execute 1031 exchanges, or unlock equity prior to refinancing into a long-term 30-year fixed DSCR loan.
Median 1–4 unit price of $265,000 (75% LTV = $198,750) with Form 1007 rent of $2,050/mo and multifamily rent of $1,240/door.
Kentucky operates under a Judicial (Master Commissioner Sale) regime (150–210 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.
Close in your Kentucky LLC or Delaware LLC registered in KY with zero personal tax returns, W-2s, or 4506-C transcripts.