The #1 Rated Hard Money Lenders Ohio – HardMoneyMan.com
The leading Ohio Hard Money Lenders, we lend on fix and flips, ground up new construction and turnkey rental properties. Click apply now to get your deal started with us.
Get the Funding you need with Hard Money Loans from HardMoneyMan.com LLC
Funding Solutions for Ohio Real Estate Investors
Submitting your application package to Hard Money Lenders Ohio is quick and easy.
Hard Money Lenders Ohio – Close in 7–10 Days
Fix & Flip, Spec Construction, DSCR, Multifamily, and Commercial Loans statewide.
Ohio Loan Programs
Fix & Flip Loans
Up to 90% purchase and 100% repairs. Fast closings with flexible draw schedules for rehab projects.
Spec Construction Loans
Builder financing with same-day draws and closings in 8–10 days. Ideal for new builds without pre-sold buyers.
DSCR Loans
Qualify based on rental income covering debt service. No W‑2s or tax returns required.
Multifamily Loans
Financing for 5+ unit apartment buildings, structured around rental cash flow and property performance.
Commercial Property Loans
Asset-based financing for offices, retail, mixed-use, and industrial properties across Ohio.
Asset Based Loans
Collateral-driven financing that qualifies borrowers using property equity or liquid assets, not personal income.
We Lend in:
Columbus, Cleveland, Cincinnatti, Toledo, Akron, Dayton, Parma, Canton, Youngstown, Lorain and other cities in Ohio
How to Get Approved in Ohio
- Submit your deal online or by phone.
- Receive term sheet within 24 hours.
- Close in 7–10 days with same-day draws.
Serving All Major Ohio Markets
We lend across Cleveland, Columbus, Cincinnati, Toledo, and every market in between.
Ohio Fix and Flip Loans
Ohio Construction Loans
Ohio Rental Loans
Ohio Multi Family Loans
Asset Based Loans in Ohio
Commercial Hard Money Loans in Ohio
Frequently Asked Questions
Do you offer fix and flip loans in Ohio?
Yes. We provide short-term fix and flip loans statewide with fast closings and flexible draws.
What are asset based loans?
Asset based loans qualify borrowers using collateral value, not personal income documentation.
Can I get spec construction financing in Ohio?
Yes. We fund builder spec home construction with up to 90% LTC and 100% repairs.
What is a DSCR loan?
A DSCR loan qualifies investors based on rental income covering debt service, not tax returns.
Do you finance 5+ unit apartment buildings?
Yes. Multifamily loans are available for 5+ unit properties in Ohio.
Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, and mixed-use properties.
How fast can I close?
Most Ohio loans close in 7–10 days depending on documentation.
Do you lend to LLCs and entities?
Yes. All programs can be closed in LLCs or other entities.
Is Airbnb income considered?
Yes. Documented short-term rental income can be used for DSCR qualification.
Do you require personal income documentation?
No. Most programs are asset-based or DSCR-driven, focusing on property cash flow.
Ohio Hard Money Lenders – Why Choose Us?
We're in the Business
We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit.
We're a Direct Lender
We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.
We're Fast and Efficient
We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re one of the most efficient hard money lenders in Ohio.
We're Investor Focused
We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return.