Kentucky Private Lending
Kentucky Private Lending (KYPL) is a Louisville-based private hard money lender providing short-term financing for real estate investors in Kentucky, Indiana, and Ohio. The company specializes in fix-to-flip, fix-to-rent, and bridge loans for 1–4 unit investment properties.
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Kentucky Private Lending’s Lending Activity
Data Provided By Elementix
12mo Loan Volume
$27,532,588
12mo Loan Count
221
Total Loan Volume
$90,426,737
Average Loan Size
$126,294
Loan Count by State (Past 12 Months)
KY: 110, IN: 89, OH: 22
Company Quick Facts
- Year Established: 2022
- Headquarters: Louisville, Kentucky
- Company Type: Private hard money lender
- Geographic Focus: Kentucky, Indiana, and Ohio
- Primary Customers: Real estate investors
- Loan Types: Fix-to-Flip, Fix-to-Rent, Bridge Loans
- Property Types: 1–4 unit investment properties, including single-family and small multifamily
- Loan Purpose: Investment properties only; no primary residences
- Loan Term: 6–12 months
- Maximum Leverage: Up to 70% of ARV and up to 100% of cost
- Underwriting: Asset-based with local, in-house underwriting and approval
- Borrower Requirements: No tax returns or income documentation required; minimum 600 credit score with a soft credit pull
- Loan Volume: More than 400 loans funded representing over $60 million in deals
- Closing Speed: Estimated term sheets within 24 hours; closings possible in as little as two weeks
- Construction Draws: Draw requests can be funded within 24–48 hours based on completed work, without inspector visits
Office Locations
309 Evergreen Rd. , Louisville, KY 40243
Our minimum loan amount is $0
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