Rental property financing
DSCR Investor Loans in Kentucky
Last updated October 14, 2026
ABS Home Mortgage offers DSCR loans for rental property investors in Kentucky. A DSCR (debt service coverage ratio) loan qualifies the property on its rental income rather than your personal tax returns, so it suits self-employed investors, investors with many properties, and borrowers whose tax returns understate their income. Programs, eligibility and terms vary by property and borrower, subject to underwriting.
Toll Free: 1-866-666-2378 (866-666-BEST)
Program availability and eligibility as of October 10, 2026; subject to change and underwriting.
DSCR loans are business-purpose loans for investment property. We do not offer owner-occupied home loans in Kentucky.
Financing for rental property investors
Qualified on rental income
We compare the property's rent to its monthly housing costs, subject to underwriting.
Limited income documentation
Borrower income documentation is generally limited. We confirm the documents your program requires.
Entity borrowing may be available
Buying through an LLC may be an option. We review your entity documents and confirm eligibility.
For rental property investors
We work with self-employed and portfolio investors, including borrowers whose tax returns understate their income.
Who it fits
- Self-employed investors
- Portfolio investors
- Investors buying through an LLC: entity borrowing may be available, confirm with us
- Investors who want to scale without personal-income limits, subject to program rules
We review the property and borrower together. Eligibility is subject to underwriting.
How a DSCR loan works
We compare the property's rent to its monthly housing costs: principal, interest, taxes, insurance and HOA dues. Borrower income documentation is generally limited.
Down payment, rate and DSCR requirements vary by program and are provided on a call.
Property types
- Single-family rentals
- Two-to-four unit properties
- Condos and townhomes
Property types are subject to program rules. Short-term rental eligibility depends on the program and documentation; ask us.
Our purchase closing timeline
Our average purchase close is 21 calendar days; timelines vary by file and no timeline is guaranteed.
As of October 10, 2026; subject to change. Documentation, appraisal and underwriting can affect the timeline.
Documents we typically ask for
- Lease or market rent analysis
- Property insurance quote
- Entity documents if buying in an LLC
- ID
- Bank statements for reserves
- Purchase contract
We confirm the documents required by your program. Additional documentation may be needed.
Where investors buy in Kentucky
Louisville
A logistics and manufacturing center built around UPS Worldport and Ford's Louisville Assembly Plant.
Lexington and Georgetown
Toyota Motor Manufacturing Kentucky in nearby Georgetown employs about 10,000 people.
Bowling Green
Home to Western Kentucky University and the GM Corvette plant, in a region with strong job growth.
Rental property investing in Kentucky
Kentucky's effective property tax rate is about 0.74% of home value (Tax Foundation, 2024 data). The state's homestead exemption is limited to owner-occupants who are 65 or older or disabled, so it doesn't apply to rentals.
Landlord-tenant rules depend on location. Kentucky's Uniform Residential Landlord and Tenant Act applies only where a city or county has adopted it (KRS 383.500). Where it applies, a landlord gives seven days' written notice for nonpayment (KRS 383.660), and the deposit rules require a separate account and move-in and move-out condition lists (KRS 383.580). Confirm which rules apply to your property. Kentucky reserves rent control to the state legislature (KRS 65.875).
Louisville requires short-term rentals to register each year with the city and the Revenue Commission.
For legal or tax questions, confirm with your attorney or tax advisor.
Sources
- Toyota Motor Manufacturing Kentucky
- South Central Kentucky largest employers
- Tax Foundation: Kentucky
- Kentucky DOR: homestead exemption
- KRS 383.500
- KRS 383.660
- KRS 383.580
- KRS 65.875
- Louisville Metro short-term rentals
Local information as of October 14, 2026; subject to change.
Kentucky DSCR loan FAQs
Let's review your Kentucky rental property
We can review your rental income, property costs and documents and explain which financing options may fit.
Toll Free: 1-866-666-2378 (866-666-BEST)
Also see: all loan products · DSCR loans · request today's rate · DSCR calculator
DSCR by State
ABS Home Mortgage is licensed in Illinois, Florida, Georgia and Texas.
DSCR loans are business-purpose loans for investment property. We do not offer owner-occupied home loans in Kentucky.
ABS Home Mortgage, Inc. — NMLS ID: 209985. Bhupesh Saggar, Mortgage Loan Originator — NMLS ID: 221364. Equal Housing Lender.
This is not a commitment to lend. Rates, terms, and programs subject to change without notice. All loans subject to credit approval.
Kentucky investor reading
No Income? No Problem: DSCR Loans in 2026
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Read articleInside a 21-Day Close: What Happens Each Week, and What Slows It Down
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