Kentucky DSCR Loan Calculator
Screen a Kentucky rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Kentucky; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Kentucky DSCR assumptions
The calculator seeds Kentucky with a starting property value of $205,000.00, starting rent of $950.00, annual property tax based on a 0.74% effective rate, and estimated annual insurance of $2,647.00.
STR note: No statewide restrictions. Limited local ordinances. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Louisville/Jefferson County (largest market, bourbon/healthcare/logistics economy, hybrid). Lexington/Fayette County (University of Kentucky, healthcare, hybrid). Bowling Green/Warren County (WKU, manufacturing — EV battery plants, growing). Covington/Kenton County (Cincinnati metro spillover, affordable). Elizabethtown (Fort Knox proximity, stable cash flow).
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