Hard Money Loans in Louisville, Kentucky

Hard Money Loans in Louisville, Kentucky

Fix-and-flip and rental loans across the Louisville metro. Pre-qualify in 60 seconds. Built by operators who have closed 2,000+ deals.

Louisville skyline
Funded in 15 days $160K → $255K ARV
St Matthews flip 90% purchase + 100% rehab
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THE LOUISVILLE MARKET

What we see on the ground.

Louisville is one of our fastest-growing markets.

Our operating team at Rapid Fire Home Buyers has closed more than 100 deals across Jefferson County and the surrounding region in the past 12 months, and we’re actively expanding our lending footprint throughout Greater Louisville.

Louisville offers a broad mix of investment opportunities, from entry-level flip and rental properties in neighborhoods like Portland, Shawnee, California, and Okolona to higher-value projects in established areas such as the Highlands, St. Matthews, and Jeffersontown. The city’s large stock of early- and mid-century homes is a natural fit for our renovation program.

Average rehab budgets we underwrite in Jefferson County typically range from $25,000-$50,000, with after-repair values commonly falling between $185,000-$270,000 depending on the neighborhood and scope of work. Properly renovated single-family homes generally sell within 30-45 days based on current market conditions.

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.

★ Louisville
Jefferson County · Primary Location
Jeffersontown
Jefferson County · ~15 min east
Shepherdsville
Bullitt County · ~25 min south
Crestwood
Oldham County · ~25 min northeast
Shelbyville
Shelby County · ~35 min east
Elizabethtown
Hardin County · ~20 min south
Bardstown
Nelson County · ~40 min southeast

A Real Louisville 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.

Review borrower terms and pre-qualify

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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 Louisville

✓ 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 Louisville

Get pre-qualified for Louisville hard money financing

LOUISVILLE FAQ

Questions Louisville borrowers ask.

Yes. We lend across the Louisville metro. That includes Jefferson County neighborhoods like Portland, Shawnee, California, Okolona, the Highlands, St. Matthews, and Jeffersontown. We also look at nearby suburbs we know, including Bullitt, Oldham, and Shelby County deals. For product terms and to apply, review borrower terms and pre-qualify.

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 Louisville 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 Louisville fix-and-flip or BRRRR deal? Review borrower requirements and pre-qualify in 60 seconds