FIX & FLIP LOANS · Kentucky (KY) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Kentucky Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Kentucky Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 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).

Max Leverage / LTC
Up to 90% Purchase + 100% Rehab (75% ARV Cap)
Min FICO: 620 – 660+ FICO
2026 Rate Band
9.25% – 11.25% Interest-Only
12 – 18 Months Interest-Only (No Prepayment Penalty)
KY Security Instrument
Judicial (Master Commissioner Sale)
150–210 days days avg timeline
KY Avg Tax & Ins
0.83% Tax
$580/$100K Hazard Ins

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Kentucky Fix & Flip Loans (2026) — Up to 90% Purchase + 100% Rehab (75% ARV Cap), 9.25% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach