Kentucky DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Kentucky (KY) up to 80% Purchase LTV and 75% Cash-Out LTV across 30-year fixed, ARM, and interest-only wholesale shelves with zero personal tax returns. At the Kentucky median 1–4 unit price of $265,000 and Form 1007 rent of $2,050/mo (0.83% property tax, $580/$100K hazard insurance), an illustrative 75% LTV scenario models at 1.28x DSCR ($1,600/mo modeled PITIA).