Hard Money Loans in Lexington, Kentucky

Hard Money Loans in Lexington, Kentucky

Evergreen funds fix-and-flip and rental loans across the Lexington metro. We are operators who have closed 2,000+ deals through Rapid Fire Home Buyers, and we lend the way we always wished someone would lend to us.

Lexington skyline
Funded in 15 days $160K → $255K ARV
Hamburg flip 90% purchase + 100% rehab
quick application Pre-qual in 60 sec
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THE LEXINGTON MARKET

What we see on the ground.

We underwrite Lexington deals every week. If you need a hard money lender here, you get local operators, not a desk guessing from another state.

Lexington offers a diverse mix of investment opportunities, from entry-level rental and flip properties on the north and east sides of town to higher-value projects in established neighborhoods throughout the city. Areas such as Cardinal Valley, Winburn, Eastland, and parts of South Lexington continue to provide opportunities for investors to acquire properties below stabilized market value when renovations are executed correctly.

Average rehab budgets we underwrite in Fayette County typically range from $25,000-$50,000, with after-repair values commonly falling between $240,000-$340,000 depending on the neighborhood and scope of work. Properly renovated single-family homes generally sell within 30-45 days, based on current market conditions.

Surrounding counties such as Jessamine, Scott, Woodford, and Bourbon operate more like suburban markets, and we underwrite them accordingly. If your deal is in an area we know well, we’ll give you a realistic ARV based on current market activity. If we don’t have enough confidence in the numbers, we’ll tell you that too rather than make assumptions.

where we lend

Neighboring cities we lend in.

We fund deals across these neighboring cities. If your property is in a market we do not know well, we will tell you straight rather than guess.

★ Lexington
Fayette County · home base & office
Richmond
Madison County · ~25 min south
Berea
Madison County · ~40 min south
Versailles
Woodford County · ~15 min west
Frankfort
Franklin County · state capital, ~30 min
Nicholasville
Jessamine County · ~20 min south
Georgetown
Scott County · ~20 min north

A Real Lexington Deal We funded.

A real deal with the purchase and renovation funded by Evergreen Capital. The borrower flipped it and sold on the market for a healthy profit. This is the deal profile Evergreen is built to fund. Local capital for local operators, structured to move at the speed a flip actually needs.

Purchase
$220,000
Rehab
$25,000
ARV
$316,000
Funded In
19 days
Purchase
$220,000
Rehab
$25,000
ARV
$316,000
Funded In
19 Days

HOW WE LEND

Same program. Same rate. Anywhere we lend.

Size your Lexington deal against our published terms in about a minute.

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Fund terms

Rate: 13% annualized interest

Leverage: Up to 90% of purchase + 100% of construction cost, capped at 75% of after-repair value

Appraisal: Required as part of the loan process

Prepay: No prepayment penalty

Points & Fees: 2 points

 

 

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What we lend on in Lexington

✓ Single-family properties, 2 to 4 units, townhouses, and condos

✓ First lien position only

✓ Borrower is pre-qualified before we evaluate a specific property

✕ Property cannot be in a flood plain

✕ Investment property only, no owner-occupied

Review borrower loan terms and eligibility for Lexington

Get pre-qualified for Lexington hard money financing

Lexington FAQ

Questions Lexington borrowers ask.

Yes. We lend across Lexington and Fayette County. That includes north and east side neighborhoods like Cardinal Valley, Winburn, Eastland, and South Lexington, plus other parts of the city we know. We also fund deals in nearby counties we know well: Jessamine, Scott, Woodford, Madison, Franklin, and Bourbon (Paris). This page is for Lexington metro borrowers. For program details and to apply, use /borrowers.

Single-family fix-and-flips are our bread and butter, and we also fund 2-4 unit residential projects. We lend on properties with a clear path to resale or refinance, up to 75% of the after-repair value, always in first position. We stay out of flood zones, homes with major foundation issues, and luxury price points. If it’s a standard residential flip in a Lexington neighborhood we know, it’s in our wheelhouse.

Faster than a bank, by design. We underwrite locally and make the lending decision in-house with people who know these markets. An appraisal is required, and we coordinate it as part of the process so the file keeps moving. Once your application and project details are in, we move to terms and then to closing. Your timeline comes down mostly to a clean title and getting your documents back to us, so the more complete your file, the faster we fund. As quickly as days.

Yes. An appraisal is required on every loan. We order and coordinate it as part of underwriting so you are not chasing the scheduling yourself. Local underwriting still keeps the file moving faster than a traditional bank process.

Yes. Evergreen funds the purchase and rehab. Long-term refinance is outside our product. We can connect you with a local bank or credit union referral for that step.

Need terms for a Lexington fix-and-flip or BRRRR deal? Review borrower requirements and pre-qualify in 60 seconds