Kentucky has provided consistent real estate opportunities to both intrastate and interstate investors across the rest of the country. EquityMax has made it a mission to provide a diverse set of options for all ranges of investors, whether you are investing in Louisville, Lexington, or beyond. We understand the need to be more than a lender in your transaction, but a partner to see you through the entire process. EquityMax welcomes the opportunity to financially guide you through your next deal to realize your maximum profit potential as an investor.

Hard Money Lending For Your Next Deal In Kentucky

In-House Service

From the borrower’s initial inquiry through to loan payoff, the same wonderful staff at EquityMax is here to help. We never sell our loans or outsource loan servicing to a third-party. Even after funding, we offer a single point of contact to answer all of your post-closing questions.

We Finance Around The State

From Paducah, Lexington, and Louisville, to even smaller towns and counties, EquityMax finances everywhere in the Blue Grass state. No matter the property type – rural, residential, or urban. In large metro areas and smaller towns alike, if the deal has profit potential, we will finance it with minimal requirements and no hassle.

Newbies Welcome

Kentucky is full of opportunities for new investors to join in. While several private money lenders only work with experienced investors, at EquityMax we are encouraged by the opportunity to work with both new and veteran investors alike, whether it is your first deal or your 100th deal.

Longstanding Reliability

For nearly 30 years, we’ve funded more than $2 billion in hard money loans and been a one-stop shop for real estate investors seeking creative financing. Simply put, we have consistently shown our first-time and returning borrowers the expertise needed when they are looking to fund their next investment property.

Close In 48 Hours Or Less! Ready To Get Started On Your Next Deal In Kentucky?

Latest Success Story

An investor had a great deal…she was purchasing a home for $500K that she was immediately flipping the same day for $250K more. The problem? She did not have the money to float the initial purchase. EquityMax stepped in and offered same-day, transactional funding at a reasonable fee. This allowed the investor to double-close and walk away with a large sum of money she otherwise would not have been able to obtain without the loan.

Residential Transactional Funding

Location – Lexington, KY

Loan Amount – $500,000

Purchase Price – $500,000

Loan Type – Purchase

Term – Same Day Double Closing

Rehab Amount – N/A

Actual Retail Value – $750,000

Profit – $200,000

Driving Factors For Kentucky Real Estate Market

Freedom For Investors

Kentucky real estate investors have the luxury of freedom when it comes to their investment strategies Based on the ever-evolving market conditions, fix and flips, wholesaling, and rental properties continue to present great opportunities for high profit margin deals.

Home Values Continue To Rise

Kentucky’s home prices have increased for eight straight years and there’s no sign of it declining for now. As with the rest of the United States, lack of inventory and high demand have put homeowners in position to increase their selling prices.

Industry Optimism

A decline in foreclosure activity across the state suggests more residents are ready and willing to enter the home buying process. Additionally, economic improvements have facilitated more activity and confidence in the market.

Real Estate Market Breakdown of Kentucky


Median Home Value


Foreclosure Properties


Bank Owned Properties



Popular Counties: Jefferson, Fayette, Kenton, Boone, Campbell

EquityMax Insight

Kentucky real estate investors should pay close attention to the state’s distressed property inventory. Over the years, Kentucky has proven itself to investors as a hotbed for foreclosures, REOS, and estate properties with attractive profit margins. Furthermore, while prices have increased, The Blue Grass state remains relatively affordable and its real estate market promotes nearly every exit strategy, including wholesaling, rehabbing, and rental properties. As long as demand holds up, Kentucky presents investors with an abundance of opportunities to make deals.

What Our Clients Say

November 17, 2022

“EquityMax funded my double-closing with ZERO qualification in less than 24 hours…if not for them, I would have lost out on six figures!”

Loan Programs

Fix and Flip / Cash-Out REFI

High LTV / Low Rates / Flexible TermMinimal Insurance RequirementsZero Prepayment Penalty

Foreign National Loans

ZERO Credit or Qualification RequirementsNo Personal Guarantee RequiredFree Comparable and Repair Analysis

Transactional Funding

Catering to Real Estate Wholesalers1-3 Day FundingMinimal Notice to Close

Non-Recourse Lending

Invest through a Self-Directed IRA or Solo 401KNet Proceeds from Investing are Tax-DeferredNo Personal Guarantee

Have You Been Previously Denied By A Lender? Get A Second Chance With Equitymax

Did You Know

EquityMax has funded multiple deals in the great state of Kentucky over the last two weeks alone.

Frequently Asked Questions

EquityMax does not charge a prepayment penalty, so long as the borrower pays on time.

While most of our loans are geared for short-term usage, our loans can be kept as long as 17 years.

Yes, in fact, we find Section 8 rentals to be some of the most profitable opportunities in today’s marketplace.

Receive Immediate Pre-qualification Within 10 Minutes!