A 30-year DSCR loan for the rental. A bridge loan for the rehab.
As private money lenders in Ohio, we fund the short-term rehab loan and the long-term rental loan on the same property. We have closed more than 70 deals in the state since 2021, and more of that has happened in Cincinnati than anywhere else in Ohio.
Ohio is a rental market for us. Roughly 6 in 10 of what we close here is a 30-year DSCR loan. Almost all of it is recent, and 84% of everything we have ever closed in Ohio has closed since the start of 2024.
Both of our core products are available in all 88 Ohio counties, to investors and entities (LLCs, corps, trusts). No owner-occupied loans.
More of our Ohio lending has happened in Cincinnati than anywhere else in the state, and the deals here are bigger. The median deal we close in Cincinnati is $230,950, well above what we write in the rest of Ohio.
More than half the Cincinnati properties we have financed are two-to-four unit or larger multifamily, against a little under a third statewide. Cincinnati is a small-multifamily market for us while the rest of the Ohio book is mostly single-family houses. If you are buying more than one at a time, read when a blanket loan makes sense.
Most of our Cincinnati borrowers do not live in Ohio. The city and county filing rules that catch them are further down this page.
Roughly 6 in 10 of what we close in Ohio is a 30-year DSCR loan. The loan qualifies on the property's rent, not on your tax returns, so a full-time job, a thin Schedule E or a recent write-off does not decide the file.
The median DSCR loan we close in Ohio is $136,935, and the middle half falls between $100,000 and $226,000. That is a lower price point than most of the markets we lend in, and the product reaches down to where Ohio deals actually trade. Small multifamily is a real part of this book too, especially in Cincinnati. A two-to-four unit building goes on the same loan a single-family rental does. Terms are on our 30-year DSCR rental loan page.
The median bridge loan we close in Ohio is $175,000, and the middle half falls between $100,000 and $278,000. We fund up to 90% of the purchase and 100% of the rehab on a hard money bridge loan, and the rehab money comes out in draws as the work gets done.
When the property is finished and rented, we refinance it onto a 30-year DSCR loan. One lender holds the file through both stages. That matters at the refinance, because we already have the appraisal history, the scope of work and your track record on the property, so the refinance is not a cold start with a lender who has never seen the address.
Both products are available in all 88 Ohio counties. The two areas below are where we focus. Roughly 7 in 10 of the Ohio properties we finance are single-family houses, and a little under a third are two-to-four unit or larger.
Five rules that catch investors here.
Get a quote online or call us. We'll size the deal in 24 hours.
Our in-house team underwrites with local knowledge, not a scoring algorithm.
5–10 business days for bridge, 3–4 weeks for 30-year rental.
Financing guides and deal breakdowns from our lending team. Browse every market we serve on our Where We Lend page.
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55+ investor guides covering DSCR, bridge loans, fix-and-flip, BRRRR, market updates, and more.
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