The #1 Rated Hard Money Lenders Ohio –

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 LLC


Funding Solutions for Ohio Real Estate Investors

Submitting your application package to Hard Money Lenders Ohio is quick and easy.

American Association of private lenders member

Watch this Short Video Below to Find out if the #1 Hard Money Lenders Ohio will work for your next deal! 

Ohio Real Estate Investing Market Outlook

Ohio’s real estate market has been growing steadily over the past few years, and 2023 is expected to be no different. The state’s economy has been booming, with an influx of new businesses and an increase in population growth—all factors that contribute to a strengthening real estate market. This makes the state an attractive option for investors who want to get in on the ground floor of what could be a lucrative investment opportunity.

The real estate market forecasts for 2023 in Ohio show that residential investments are likely to remain a profitable option during this period. Low mortgage rates combined with high ROI numbers on homes and rentals mean that investing in Ohio is an attractive proposition for investors looking for returns. Additionally, population growth and demand for housing are expected to continue increasing throughout 2023, creating rents which can help offset costs associated with buying and maintaining properties.

When it comes to investing trends in Ohio real estate, there are numerous options available. Investor-owned developments offer strong returns, while rehabs of older homes may provide excellent opportunities as well. Furthermore, investors can explore purchasing land or commercial properties such as retail centers or office buildings which have the potential to generate rental income over time. There is something available for every type of investor, making Ohio a great place to diversify your portfolio and take advantage of potentially lucrative investments.

Data shows that rental income growth is indeed likely in major cities throughout Ohio this upcoming year. Cities such as Cincinnati, Columbus and Cleveland have seen significant increases over the past couple of years due increased demands from incoming residents thanks to job opportunities as well as local amenities like recreational spaces and shopping districts nearby. Low mortgage rates also make buying property more appealing than ever before, making now the perfect time for any investor looking to capitalize on this trend.

Private Hard Money Lenders Ohio

As the leading Hard Money Lenders Ohio, LLC lends to real estate investors throughout the state. Specializing in fix and flip loans as well as rental loans, we have closed over 2,000 hard money loans in Ohio since 1998, making us one of the oldest hard money lenders in the country. Regardless of what part of Ohio, we are the go-to Ohio hard money lenders for real estate investors thanks to our ability to close quickly.

We pride ourselves on being second to none in understanding all real estate markets that we lend in, and understanding the borrower’s objectives before putting together a loan proposal for them.

Hard Money Lenders Ohio for what types of deals?

Our niche is 1-4 unit residential properties that you are either going to fix and flip or hold as a 30 year rental, or ones that you are building (ground up construction). We will look at 5+ unit apartment buildings that are in need of rehab or are stabilized.

When real estate investors in Ohio are in need of fix and flip loans in Ohio, rental property as well as rental portfolio loans, 5+ unit multifamily bridge and 30-year loans, and ground up construction loans, it turns out the #1 choice for hard money lenders Ohio is LLC.

Why HMM as your hard money lenders Ohio?

This is where we separate ourselves from other lenders, we under promise and overdeliver time after time! You speak with a decision-maker on all phone calls and by email (you can even text us too!) not some account executive that is just reading off their product matrix and hoping to fit your loan in their box.

From Cleveland to Cincinnati, LLC has helped real estate investors from new to experienced achieve their investment goals. Regardless of your location in Ohio, LLC is there to help you achieve your funding needs.

Our quick and efficient process from intake to underwriting to closing, and then draws done in-house with our construction team, make us the market-leading hard money lenders Ohio.

Contact us today and discover why we are the premier lender for Ohio real estate investors.

We Lend in:

Columbus, Cleveland, Cincinnatti, Toledo, Akron, Dayton, Parma, Canton, Youngstown, Lorain and other cities in Ohio

Ohio Fix and Flip Loans

Wisconsin-Construction-Loans-HardMoneyMan (1)

Ohio Construction Loans

Ohio Rental Loans

Ohio Multi Family Loans

Shaun Dozier
Shaun Dozier
My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
Demetri Williams
Demetri Williams
This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
Dario Olivere
Dario Olivere
I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
Tom Tinsey
Tom Tinsey
This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
Brandi Pernell
Brandi Pernell
The experience my husband’s and my company (Kingdom Realty, LLC) had with, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
Christian Rodriguez
Christian Rodriguez
I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
Christina McCann
Christina McCann
Great company great experience
Joe Matthews
Joe Matthews
Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

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. 

Maximizing Your Profit: How a Hard Money Loan Can Help Your Ohio Real Estate Investing

Investing in real estate can be a lucrative venture, but it can also be a challenging one. If you’re a real estate investor in Ohio, you know that finding a property with the potential for a high return on investment can be tough. Even if you do find the right property, it may need significant repairs and renovations before it’s ready to sell. That’s where fix and flip loans come in. These loans are specifically designed for real estate investors who buy distressed properties, renovate them, and sell them for a profit. In this article, we’ll explore how fix and flip loans can help you maximize your profit on your Ohio real estate investment. We’ll cover everything from the benefits of fix and flip loans to how to qualify for one. So, if you’re ready to take your real estate investment to the next level, keep reading to learn more about hard money loans in Ohio.

Understanding Hard Money Loans in Ohio

One type of hard money loan in Ohio is a fix and flip loan, it is used to cover the cost of purchasing and renovating the property. The loan is secured by the property itself, which means that if the borrower defaults on the loan, the lender can take possession of the property by foreclosure.

Hard money loans are different from traditional mortgage loans because they are designed for a specific
purpose and have different requirements. For example, traditional mortgage loans are typically used to
purchase a home that the borrower intends to live in. These loans have longer terms and lower interest
rates because the borrower is less of a risk. In contrast, hard money loans in Ohio have shorter terms and higher
interest rates because the deal is not a typical bankable deal.

The main advantage of a fix and flip loan is that it allows real estate investors to purchase distressed properties that they would not be able to purchase otherwise. These properties are typically sold at a discount because they need significant repairs and renovations. With a fix and flip loan, investors can purchase these properties and make the necessary renovations to increase their value.

Benefits of Fix and Flip Loans for Real Estate Investors

There are several benefits to using a fix and flip loan for your Ohio real estate investment. One of the main benefits is that it allows you to purchase properties that you would not be able to purchase otherwise. Distressed properties are typically sold at a discount because they need significant repairs and renovations. With a fix and flip loan, you can purchase these properties and make the necessary renovations to increase their value.

Another benefit of fix and flip loans is that they are specifically designed for real estate investors. This
means that the loan terms are tailored to your needs as an investor. For example, fix and flip loans have
shorter terms than traditional mortgage loans, which means that you can pay off the loan quicker and
move on to your next investment.

Finally, fix and flip loans can help you maximize your profit on your Ohio real estate investment. By
purchasing distressed properties at a discount and making the necessary renovations, you can increase
the value of the property and sell it for a higher price. This allows you to make a significant profit on your

Ohio Real Estate Market Overview

Before you decide to invest in Ohio real estate, it’s important to understand the current market
conditions. Overall, the Ohio real estate market is stable, with steady growth in home values over the
past few years. According to Zillow, the median home value in Ohio is $157,300, which is slightly below
the national average of $184,700.

One of the main drivers of the Ohio real estate market is the diverse economy. Ohio is home to a variety
of industries, including healthcare, manufacturing, and finance. This means that there are plenty of job
opportunities and a stable economy, which makes it an attractive place to live.

When it comes to real estate investing in Ohio, there are several cities that are worth considering.
Columbus, Cleveland, and Cincinnati are all growing cities with strong economies and growing
populations. These cities offer a variety of investment opportunities, from fix and flip properties to rental

How to Qualify for a Fix and Flip Loan in Ohio

To qualify for a fix and flip loan in Ohio, you will need to meet certain requirements. The exact requirements may vary depending on the lender, but here are some general guidelines to keep in mind:

1. Good credit: Most lenders will require a credit score of at least 600 to qualify for a fix and flip loan. However, some lenders may require a higher credit score, so it’s important to check with the lender before you apply.
2. Down payment: You will typically need to make a down payment of at least 20% of the purchase price
of the property. This shows the lender that you have some skin in the game and reduces their risk.
3. Experience: Some lenders may require that you have experience in real estate investing before they
will approve your loan. This is because fix and flip loans are riskier than traditional mortgage loans, and
lenders want to make sure that you know what you’re doing.
4. Property: The property itself will also be a factor in your loan approval. Lenders will look at the
location, condition, and potential value of the property to determine if it’s a good investment.

Finding the Right Lender for Your Fix and Flip Loan

Once you’ve determined that a fix and flip loan is right for your Ohio real estate investment, the next
step is to find the right lender. There are several factors to consider when choosing a lender, including:
1. Interest rates: Fix and flip loans typically have higher interest rates than traditional mortgage loans, so
it’s important to compare rates from multiple lenders to find the best deal.
2. Loan terms: Fix and flip loans have shorter terms than traditional mortgage loans, but the exact terms
may vary from lender to lender. Make sure to read the fine print and understand the terms of the loan
before you sign.
3. Fees: Some lenders may charge additional fees, such as origination fees or prepayment penalties.
Make sure to ask about any fees upfront so that you can factor them into your overall cost.
4. Reputation: Finally, it’s important to choose a lender with a good reputation. Look for lenders that have
experience working with real estate investors and have positive reviews from other borrowers.

The Fix and Flip Loan Process

Once you’ve found the right lender and applied for your fix and flip loan, the next step is to go through
the loan process. Here’s a general overview of what to expect:

1. Application: You will need to fill out an application and provide documentation, such as tax returns and
bank statements, to prove your income and assets.
2. Property evaluation: The lender will evaluate the property to determine its value and potential for
renovation. This may involve an appraisal or inspection.
3. Loan approval: If you meet the lender’s requirements and the property meets their criteria, you will be
approved for the loan.
4. Closing: Once the loan is approved, you will need to sign the loan documents and pay any closing
5. Renovation: With the loan funds in hand, you can begin making the necessary renovations to the
6. Sale: Once the renovations are complete, you can sell the property and pay off the loan.

Tips for Maximizing Your Profit with a Fix and Flip Loan

If you want to maximize your profit on your Ohio real estate investment, here are some tips to keep in

1. Choose the right property: Look for distressed properties with potential for renovation and resale.
Make sure to factor in the cost of renovations when determining the potential profit.
2. Stick to a budget: Set a budget for renovations and stick to it. Going over budget can eat into your
profits and make the investment less lucrative.
3. Hire the right contractors: Make sure to hire experienced contractors who can complete the
renovations on time and on budget.
4. Price the property correctly: Price the property based on its value after renovations, not its current
value. Overpricing the property can make it harder to sell and reduce your profit.
5. Market the property effectively: Use effective marketing strategies, such as staging and professional
photography, to attract potential buyers and sell the property quickly.

Common Mistakes to Avoid When Using Fix and Flip Loans

While fix and flip loans can be a great way to maximize your profit on your Ohio real estate investment,
there are also some common mistakes to avoid. Here are a few to keep in mind:

1. Overestimating the potential profit: Make sure to factor in all of the costs of the investment, including
the cost of the loan, renovations, and selling the property. Overestimating the potential profit can lead to
disappointment and financial loss.
2. Underestimating the cost of renovations: Make sure to get accurate estimates for the cost of
renovations before you purchase the property. Underestimating the cost of renovations can lead to going
over budget and eating into your profits.
3. Choosing the wrong property: Make sure to choose a property with the potential for renovation and
resale. Choosing the wrong property can lead to a loss on your investment.
4. Not doing enough research: Do your due diligence before purchasing a property. This includes
researching the market, the property’s history, and potential renovation costs.

Success Stories of Real Estate Investors Using Fix and Flip Loans in Ohio

There are many success stories of real estate investors using fix and flip loans in Ohio. For example, one
investor in Columbus purchased a distressed property for $80,000, invested $50,000 in renovations, and
sold the property for $200,000, making a profit of $70,000. Another investor in Cleveland purchased a
distressed property for $30,000, invested $20,000 in renovations, and sold the property for $110,000,
making a profit of $60,000.

These success stories show the potential for using fix and flip loans to maximize your profit on your Ohio
real estate investment.


If you’re a real estate investor in Ohio, a fix and flip loan can be a great way to maximize your profit on
your investment. By purchasing distressed properties, making the necessary renovations, and selling the
property for a higher price, you can make a significant profit. However, it’s important to do your due
diligence and choose the right property, lender, and contractors to ensure a successful investment. With
the right strategy and a little bit of luck, you can achieve success in the Ohio real estate market with a fix
and flip loan.

Get Approved with the #1 Hard Money Lenders Ohio Today!

Simple and Fast Application Process