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Fix & Flip · Kentucky

Fix & flip loans in Kentucky — fund the deal, keep your cash.

Mortava fix & flip loans in Kentucky: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Kentucky is affordable buy-and-hold inventory with strong Louisville and Lexington rental demand. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Louisville, Lexington, Bowling Green and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Kentucky project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Kentucky projects with Mortava

In a market like Kentucky, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Louisville, Lexington, Bowling Green deals and recycle capital into the next project faster.

Louisville and Lexington anchor a buy-and-hold market where acquisition prices leave room in the debt-service ratio from day one. Kentucky rewards the investor optimizing rent-to-price, not appreciation bets.

Top metros we fund
Louisville, Lexington, Bowling Green
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Kentucky

The same leverage that funds a Kentucky flip funds the "buy and rehab" half of BRRRR. Renovate in Louisville or Lexington, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Kentucky fix & flip loan FAQ

Can I get a fix and flip loan in Kentucky?
Yes. Mortava funds fix & flip projects across Kentucky, including Louisville, Lexington, Bowling Green. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Kentucky flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Kentucky.
Do you fund first-time flippers in Kentucky?
Yes — first-time flippers are welcome in Kentucky with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Louisville and Lexington?
Yes — Louisville, Lexington, Bowling Green and every other Kentucky market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Kentucky property instead of selling it?
Yes. Many Kentucky investors renovate with a Mortava flip loan in markets like Louisville, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in HawaiiFlip in IdahoFlip in IllinoisFlip in IndianaFlip in IowaFlip in KansasFlip in LouisianaFlip in MaineFlip in MarylandFlip in MassachusettsFlip in MichiganFlip in Minnesota
All Fix & Flip programs → DSCR loans in Kentucky → Instant quote & pre-qualify →
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