Kentucky Private Money Lenders
Seeking a private money loan secured by real estate in Kentucky? On this page you'll find a list of direct private money lending companies that offer fast funding for a property purchase, refinance, or equity cash out in 1st lien position. Private money loansare for short-term (3-24 months) and primarily qualify based on equity in the subject property, at least 30% for most lenders. We only list professional private lending companies, not individual investors.Searching...
Sorry, your search returned no results.
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
RBI Private Lending
Direct lender for Bridge Laons, Fix and Flip and Construction. Foreign nationals and new investors welcome.
Temple View Capital
Direct Lender for Residenital Property Investors Nationwide
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Yieldi
Direct, Reliable Lender for Investment Properties
Coastal Equity Group
Your trusted direct lender in the Southeast—small team, big relationships, and tailored solutions for investors.
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Certain Lending
The Mortgage Company Built for Real Estate Investors
Gelt Financial, LLC
Creative Private Financing for Commercial Real Estate since 1989
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
Unitas Funding LLC
Direct Lending for Residential Property Investors - Bridge, Rehab, Construction
Center Street Lending
Smarter Loans for Residential Investors
FlipCo Financial
Asset-Based Lending for Flippers | 90% LTC, NO Minimum Credit Score, NO Appraisals, NO Expierience Requirements
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
Top 20 Kentucky Private Lenders
According to Forecasa™, here are the Top Private Lenders ranked by the number of private mortgage loans* originated in Kentucky from April 2025 to June 2025.
- Flippin Loan LLC funded 78 loans
- MM Lending LLC funded 38 loans
- Kiavi funded 33 loans
- Kentucky Private Lending LLC funded 28 loans
- Dominion Financial Services LLC funded 25 loans
- Annex Capital LLC funded 24 loans
- Surepoint Equity LLC funded 23 loans
- Hardco LLC funded 17 loans
- Dgs Development LTD funded 16 loans
- RCN Capital LLC funded 16 loans
- American Heritage Lending LLC funded 15 loans
- Martin Goldsmith funded 13 loans
- ROC Capital funded 10 loans
- Easy Street Capital funded 9 loans
- Constructive Loans LLC funded 8 loans
- LendingOne funded 8 loans
- New Era Lending LLC funded 8 loans
- Rapid Home Lending INC funded 8 loans
- Monticello Funding funded 8 loans
- Visio Lending funded 7 loans
* The number of loans funded are approximate and includes long-term rental loans.
Forecasa™ gives investors and lenders in the private real estate market powerful analytics and actionable insights. They help you skip the hassle of combing county records and focus on closing deals. With detailed market trends, investor and lender activities, and competitive benchmarking, you can make smart, strategic decisions. Some of their services include dynamic market reports, transaction-level details, customer analytics, borrower verification, and in-depth profiles of investors, lenders, and capital partners. You’ll find their top lenders data for many other states on our platform..
Kentucky Private Money Interest Rates
According to the private money loan documents software company, Lightning Docs, the average interest rate for Kentucky private money loans in the 3rd quarter of 2025 was 10.76%. The average loan amount was $169,029. These stats are the average of 16 short-term loans (including bridge, rehab, and ground-up construction) funded for investment properties in Kentucky between July 1, 2025 and September 30, 2025 by multiple private lending companies that use Lightning Docs as their preferred software provider to prepare loan documents.
According to private lending data provider, Analytics Logics, the average interest rate for Kentucky private money loans in the 3rd quarter of 2025 was 9.85%. Lenders charged an average of 2.0% points (origination fee). The average LTV (loan-to-value) for private money loans in Kentucky was 50%, and the average loan amount was $145,100. These stats are the average of all the loans which were funded between July 1, 2025 and September 30, 2025 by the many private lenders who use Liquid Logics’ loan origination software to manage their lending operations.
Top Kentucky Investors Using Private Lenders
According to Forecasa™, here are the some of the most active real estate investors in Kentucky that use private lenders, ranked by the number of mortgage transactions* from January 2025 to August 2025.
- Powers Investments LLC
- Summit Construction LLC
- Kentucky Real Estate Buyers LLC
- EasyKnock Inc
- Kb Homes LLC
- Em Investment Group LLC
- Luxe Homes LLC
- BROOKSTONE HOMES INC
- Hudson Properties LLC
- PERFECTION BUILDERS LLC
- Sparrow Investments LLC
- Executive Homes
- Weduit Construction LLC
- Bailey Homes LLC
- Spartan Properties LLC
- CROWN HOMES LLC
- Ky Home Investors LLC
- Legacy Home Builders LLC
- Coachd LLC
- Miller Homes LLC
Here are some of the lenders on our platform that have funded loans for the top residential real estate investors in Kentucky recently:
Kiavi | Temple View Capital | RCN Capital LLC
* Many of these real estate investors also use banks and traditional financing, but Forecasa data shows that they have recently used a hard money lender for their property investments.
Forecasa™ empowers real estate professionals with data-driven insights to wholesalers looking for cash buyers, real estate investors tracking their competition, or lenders seeking new clients. With access to property acquisition data, investor profiles, and transaction patterns, you can quickly identify active buyers, match deals to the right investors, and move properties faster. Whether you buy a few credits for targeted lookups or subscribe for full market access, Forecasa helps you stay ahead of the competition and build relationships with the most active players in your area.
Kentucky Private Lending Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of private mortgage loans secured by investment real estate in Kentucky which were funded by private lenders from January 2025 to December 2025.
- Approximately $- of private money loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $82,713,020 of private money loans were funded in the 3rd quarter of 2025 for 297 borrowers.
- Approximately $61,634,835 of private money loans were funded in the 2nd quarter of 2025 for 280 borrowers.
- Approximately $45,571,196 of private money loans were funded in the 1st quarter of 2025 for 227 borrowers.
Below are the approximate private money loan volume amounts for Kentucky’s metropolitan areas:
Lexington-Fayette, KY
- 2025 Q4: $- for - borrowers
- 2025 Q3: $7,981,160 for 35 borrowers
- 2025 Q2: $2,380,000 for 8 borrowers
- 2025 Q1: $5,073,514 for 22 borrowers
Louisville/Jefferson County, KY
- 2025 Q4: $- for - borrowers
- 2025 Q3: $56,712,344 for 201 borrowers
- 2025 Q2: $42,170,504 for 205 borrowers
- 2025 Q1: $25,338,554 for 159 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
