Private Lending in Ohio

Residential investment financing across Ohio’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Market Overview

Investing in Ohio

Ohio offers strong value-oriented real estate with median costs around $210,000 and competitive property taxes (1.56%). Columbus, Cincinnati, and Cleveland each support distinct investment profiles. Columbus attracts state capital employment and university activity; Cincinnati benefits from northern Kentucky proximity; Cleveland appeals to value investors with lower acquisition costs.

Ohio's manufacturing heritage and central-U.S. logistics position support employment stability and rental demand. The state's modest population growth is offset by favorable acquisition economics. For buy-and-hold portfolios emphasizing cash flow, Ohio delivers solid unlevered returns.

Lending Areas

Ohio Markets We Serve

We lend across Ohio’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Columbus Cincinnati Cleveland Dayton Toledo

Loan Programs

Available in Ohio

Every loan program we offer is available to qualified borrowers and properties in Ohio.

Bridge Loans

Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.

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DSCR Rental Loans

30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.

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Fix & Flip Loans

Acquisition and renovation capital for value-add residential projects.

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New Construction Loans

Capital for home builders to leverage their lot position and break ground on new residential projects.

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Build to Rent Loans

Financing for purpose-built rental communities and single-family rental developments.

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Key Data

Market Snapshot

Median Home Price

$210,000

Property Tax Rate

1.56%

Population Growth

0.3% annually

Annual Permits

~20,000 annually

Landlord Friendly

Yes

Top Yield Market

Cleveland

Strategies

What Works in Ohio Right Now

Columbus State Capital Employment Portfolio

Columbus attracts state government and university employment. Acquire 5–8 properties in acquisition mode ($160K–$220K). DSCR refinance into long-term hold. 5–6% yields with modest appreciation.

Cleveland Value Infill & Revitalization

Cleveland's lower cost basis ($80K–$140K) and ongoing revitalization create opportunities. Bridge finance acquisition and value-add. 8–10 month repositioning. Exit into refinance or hold-to-rent.

Cincinnati Suburban Growth & Tri-State Reach

Cincinnati suburbs extend into northern Kentucky and Indiana. Diversify portfolio across state lines. DSCR financing on rental properties. Reach into lower-cost-basis markets while accessing Cincinnati employment.

Questions

Frequently Asked Questions

What are Ohio's property tax rates?

Ohio property tax averages 1.56% of assessed value, higher than some regional peers. This reduces DSCR cash-flow returns but is manageable relative to absolute values. Focus on acquisition economics and long-term hold.

Are there landlord-friendly eviction laws?

Ohio is landlord-friendly. Evictions require 3 days' notice. Court proceedings typically conclude within 2–3 weeks. No just-cause requirement. Deposits and entry fees are permissive.

Does Ohio allow unlimited rent increases?

Yes. Ohio has no rent control. Landlords can set and raise rents freely, enabling predictable DSCR underwriting.

What rental income can I expect in Ohio?

Columbus rentals range $900–$1,100/month on $160K–$220K properties. Cincinnati supports similar rents. Cleveland's lower basis ($80K–$140K) supports 7–10% cap rates. Regional variation is substantial.

Other Markets

Also Lending In

Pennsylvania West Virginia Kentucky Indiana Michigan

Start Your Ohio Investment

Our team has deep experience financing residential projects across Ohio. Reach out to discuss your next deal.

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