Lenders using AI on vacant land in Independence, KY 2025!

Explore and evaluate options from 232 land loan lenders serving Independence, KY.

The typical cost of an acre of land in KY is $34,748. For undeveloped land, the loan-to-value ratio (LTV) ranges from 16.87% to 56.14%. Meanwhile, developed land in KYName might have an estimated LTV between 36.49% and 75.58%.

The actual value and loan LTV of land are influenced by location, size, topography, zoning, and any entitlements associated with the property.

Find out more about your land loan options and current rates by contacting the leading land loan lender in Independence, KY.

Compare offers from 100 lenders

The Wonders of the Land Loan Calculator

Lendersa® AI technology is designed to promptly align your loan request with hundreds of direct hard money lenders, ensuring all your funding needs are met. Today, uncover the best rates for land loans to finance any type of vacant land or land with construction in KY.

Understanding Land Loans and Land Value

To safeguard your credit score, avoid unnecessary inquiries. You can secure preapproval for your land loan without sharing your social security number or sensitive financial information.

Construction and blanket loans are inherent aspects of vacant land lending; you might be eligible for 100% LTV financing if additional property is pledged as collateral (blanket loan).

Is Hard Money Lending Nearby?

Locating a private investor through a local hard money broker significantly enhances your chances of obtaining a loan; land loans in Independence, KY are ideally organized by local lenders familiar with the area. Proximity between the investor and the property boosts loan approval odds and expedites the funding process.

Use the Lendersa® land loan calculator to identify vacant land loan providers within the zip codes 41051.



  • FENG CAPITAL INC
  • 133-33 37TH AVE SUITE 9A &9 B, FLUSHING, NY, 11354
  • Feng Capital specializes in fix-n-flip loans for non-owner-occupied investment properties. We are committed to communicating openly and honestly with our clients throughout the entire funding process, educating and empowering them to ensure that they can make informed financing decisions for businesses. Our network of underwriters can approve of yo
  • Iron Fund
  • 150 Great Neck Road, Suite 102, Great Neck, NY, 11021
  • Iron Fund is a Direct Capital Provider for loan officers, brokers, and third-party originators. Iron Fund specializes in Fix & Flips/ Bridge Loans, Ground- Up Construction, and 30-Year DSCR Loans. Our new broker platform provides a full technology suite with same-day loan approvals and secure document uploads.
  • W Financial
  • 60 Cutter Mill Road, Suite 601, Great Neck, NY, 11021
  • W Financial is a New York-based commercial real estate bridge lender specializing in time-sensitive or complex loan requirements. When a deal is unusual or time is short, we provide our clients with rapid, reliable access to the capital they need to get their deal over the finish line.
  • Malve Capital
  • 26 Harbor Park Drive, Port Washington, NY, 11050
  • Malve Capital is a private real estate lending firm offering fast, flexible financing for investors needing acquisition, refinance, or construction loans. We specialize in Fix & Flip, Rental, New Construction, and Bridge Loans, providing competitive rates, quick approvals, and streamlined funding. As investors ourselves, we understand your challeng
  • Steven Brand
  • 7700 Hudson Rd, Suite 500, Woodbury, MN, 55125
  • As a “Strategic Mortgage Consultant”… Steve will explain all the options so you understand what is available. He will make sure you’re in the right product, the right MI and closing cost scenario that will meet your short & long term financial goals. ​If you’re a VETERAN… there is nobody that can match his knowledge or passion to help you get.
  • All Access Financial
  • 576 Broadhollow Rd, Melville, NY, 11747
  • All Access Financial is a true financial marketplace offering working capital loans. We provide all types of financial options when it comes to your business, such as Working Capital Loans, Business Term Loans, Merchant Cash Advances, Lines of Credit, Equipment Financing, Commercial and Residential Loans, and SBA Loans. We understand that every bus
  • KPT Mortgage Advisors LLC
  • 2038 Ford Parkway, Suite 510, Saint Paul, MN, 55116
  • Join KPT Mortgage Advisors LLC in revolutionizing the mortgage industry! We're not just brokers; we're trailblazers dedicated to transforming your financial journey. Our mission is clear: empower everyone, from first-time buyers to seasoned investors. Experience unparalleled guidance and advocacy as we prioritize your financial well-being. Contact
  • ION Capital Solutions
  • 30 Lakeside Drive, NY, NY, 11721
  • Ion Capital Solutions is here to help when the banks say no! We can provide funding options for Real Estate Investors, Wholesalers, and Business Owners. We offer only the most competitive interest rates and terms available through our Nationwide Lender Network, and we offer virtually every alternative solution in the marketplace.
  • EC Lending
  • 440 Rte 111 Smithtown NY, Smithtown, NY, 11787
  • EC Lending revolutionizes the lending landscape with innovative solutions, providing resources that overcome even the most complex financial challenges. Boasting unmatched expertise, EC Lending empowers clients to secure the best terms through personalized service and cutting-edge technology. Choose EC Lending for bespoke financing, where every dre