2026 State DSCR & Cap-Rate Intelligence Report · Kentucky (KY) · dscrloanstennessee.com

Kentucky (KY) Rental Property DSCR, Tax & Cap-Rate Benchmark Report

Kentucky Executive Underwriting Summary: Across 4 tracked Kentucky investment markets, 1–4 unit rental properties average $265,000 in acquisition price against $2,050/month in Form 1007 market rent (9.28% gross rental yield) and $1,240/door/month on 5–25 unit multifamily assets. Investors underwriting Kentucky DSCR loans must factor a 0.83% effective property tax rate (~$2,200/yr), $580/$100k hazard insurance (~$1,537/yr), and a Judicial (Master Commissioner Sale) statutory framework (150–210 days typical timeline).

1–4u Base Price / Rent

$265,000 / $2,050

Gross Rental Yield

9.28% Annual

Tax & Hazard Escrow

0.83% Tax · $580/100k

Foreclosure & Timeline

Judicial (Master Commissioner Sale) (150–210 days)

Kentucky City-by-City DSCR, Tax & Multifamily Benchmark Table (4 Markets)

City & County	Population	1–4u Median Price	Form 1007 Median Rent	Tax Rate	City Desk
Louisville/Jefferson County, KY (Louisville/Jefferson County Metro County County)	664,783	$320,000	$2,450/mo	0.86%	Open Louisville/Jefferson County Hub →
Lexington-Fayette, KY (Lexington-Fayette Metro County County)	336,187	$270,000	$2,100/mo	0.83%	Open Lexington-Fayette Hub →
Bowling Green, KY (WARREN County County)	67,022	$260,000	$2,000/mo	0.86%	Open Bowling Green Hub →
Owensboro, KY (DAVIESS County County)	63,673	$265,000	$2,050/mo	0.88%	Open Owensboro Hub →

Related Kentucky Underwriting & Deal Team Hubs

Kentucky State Hub (/states/kentucky)Kentucky 5-Vertical Deal Team (/deal-team/kentucky)Kentucky Funded Deals (/funded-deals/kentucky)KY DSCR Loans KY Hard Money Loans KY Private Money Loans KY Fix & Flip Loans