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Kentucky Fix and Flip Loans

We empower entrepreneurs, real estate investors, and businesses of all sizes challenge the status quo. We take risks on the go-getters, and do’ers – who have an opportunity and need a partner.At Delancey Street, we invest in people and their ideas – not abstract concepts like credit scores, or other financial metrics. Tell us about your idea, let’s discuss your opportunity


High LTV

We fund hard money loans up to 80-90% LTV with no issues.



We promise to treat you like a partner


No $ Limit

No limits on what we can do for you.

Business Funding

Our client was a trucking company based out of NY, that needed quick funding. In 24 hours, we arranged $100,000 in funding.

100% Funded!

Residential Refinance

We funded a purchase in California, for $1.2 million with 65% LTV. We helped the developer with with a 11% loan with balloon payment.

100% Funded!

Lawsuit Funding

Client was injured in a car accident and needed a cash advance on the future value of his lawsuit. In 48 hours, our funders wired funds over.

100% Funded!


Hear from people we've helped

Delancey Street makes lending easy. They took a chance on me when no one else would.

Leo kovacz

Founding Partner (Zooomr Car Leasing)
Delancey Street funded our e-commerce shop and really gave us the chance to grow our business significantly.
Delancey Street makes lending easy. They took a chance on me when no one else would.

Kevin Johns


Industries We Service

Residential Real Estate
Commercial Real Estate

Our team is always available, and ready to help

Our team of industry experts is ready to help with all of your business needs. Whether you’re looking for a reliable hard money lender, looking to go public via a reverse merger, or need private capital for a venture – we can help.

Industry Experts

Our team consists of extremely qualified industry experts

Quick Service

We work diligently, and quickly, to help you

Kentucky Fix and Flip Loans

Renovating and flipping homes is a wonderful way to make money in Kentucky. Once you find a property in the area you like, you will need to find a way to finance your project. The key to finding good financing is knowing what you will need and how much time the transformation will take from start to finish. While you can’t assume your renovated home will sell in a certain amount of time, you can make a good case for your project based on comps (comparable homes for sale in the area) and a solid plan for your renovation.

The costs of flipping a house are:

  • Buying the house
  • Materials
  • Labor
  • Expenses while you renovate
  • Agent fees for listing and selling the home
  • Closing costs

A business plan is necessary for any lender to take your project seriously. This plan should detail every step of your house flip from beginning to end. You should also have all the information on everyone that is helping or working on the project. Try to think ahead about the questions that a lender is going to ask and answer them in your business plan. Your plan should include information about the property, comps, a timeline of the renovation, the neighbourhood and financial details. You will also present lenders with a current valuation and an estimate of the value after your project is finished. The lender may also question what you are going to do if everything doesn’t work out?

Get an appraiser and contractor to work with you as you put together your business plan. You need figures on how much everything will cost during the renovation, how much the home is worth and what the value will be when you are done. These figures are important to the lenders and to estimate your profits.

Funding Your Fix and Flip:

  1. Present Your Plan to Friends or Family Members

    If you have a good plan, share it with your friends and family first. You may get several people to back your project together as a short-term investment. Funding can come from unlikely places like social media or even someone that wants to make a quick investment in your community. Real estate is usually a profitable investment pay attention to when they want to make a return. The more information you have, the easier it is to get people to fund your project. Once you have one done and you can show results, you may get people who want to invest again.

  2. Partners

    Partnering with someone in the community is a clever idea for beginning real estate investors. If your partner has experience, you can learn a lot from them and with your first home. You can do the project together or have them fund it while you renovate the home.

  3. Get a Home Equity Loan or a Home Equity Line of Credit

    Many first-time real estate investors finance the first project by taking out a home equity loan. A loan gives you a bulk sum, while a line of credit is something you take money from as you need to use it.

  4. Get a Personal Loan

    A personal loan can have okay interest rates, but it takes years to pay them off. Check your credit and what your rates will be with by talking to a bank or lender. Usually, this is only part of what you will need, which is why many real estate investors use multiple lending sources.

  5. Can You Borrow Against Your 401k?

    Check your 401k and see if you can borrow against it. Many times, you can borrow around 50% of your loan. Consider it the same type of funding as a traditional loan and replace it as soon as your house sells.

  6. Owner Finance

    If the seller of your home sees your business plan, they may be willing to owner finance the home with a balloon payment. Consider other owner finance properties for your first-time project and pay the seller off when your home is sold.

  7. Hard Money Loan

    A hard money loan usually is more forgiving on credit and qualifications but may have higher fees and interest than a traditional loan. The lender considers potential and you usually pay this type of loan back in a year.

  8. A Business Line of Credit

    If you have excellent credit and your business is profitable, you may qualify for a business line of credit that you draw on when you need it. You usually need a portfolio and proof that your business has a stable income of profitable transactions.

Hard Money Loans

Need funding for your next project?

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