loan types
dscr investor loans
Kentucky

DSCR Investor Loans in Kentucky

Self-employed borrowers in Kentucky qualify using 12 to 24 months of bank deposits instead of tax returns. Business owners, contractors, and freelancers whose returns show aggressive deductions use bank statement programs to document the income they actually earn.
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No tax returns. No W‑2s. Qualify on rental income.

Bank Statement Calculator

Gross monthly rent ÷ total monthly payment (PITIA)
The market rent used for qualification. Lenders pull this from an appraisal rent schedule (Form 1007) for purchases or the current lease for refinances. Use the lower of the two if both exist.
Principal, interest, taxes, insurance, and association dues (if applicable). Includes the full housing payment, not just principal and interest. Flood insurance counts if required.
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DSCR
0.00
0.00
1.00
1.50+

Meets theLender’s minimum 1.00 DSCR.

Estimate only. theLender’s minimum debt service coverage ratio is 1.00, calculated as gross rents divided by PITIA. Final qualification depends on full underwriting, credit, and property review.

Bank statement loans in Kentucky provide self-employed borrowers and real estate investors with mortgage financing based on cash flow documentation rather than traditional income verification methods.

These non-QM programs analyze deposits from personal or business bank statements to determine borrowing capacity, making them particularly valuable for entrepreneurs, freelancers, and investors whose income doesn't fit conventional employment patterns.

Kentucky borrowers can use bank statement loans for primary residences, second homes, and investment properties, with underwriters calculating qualifying income by applying expense ratios to deposit patterns. The approval process focuses on cash flow consistency and creditworthiness while bypassing the need for tax returns or employment verification.

theLender offers bank statement loans using 12 or 24 months of personal or business bank statements to establish qualifying income.