Asset Based Hard Money Loans in Dayton OH

Equity-driven hard money financing for Ohio real estate investors. No income verification. No DSCR. Fast closings.

Get Pre-Approved in 30 Minutes

No income docs. No credit score minimum. Just fast, equity-based funding.

Or call us at 866-461-2695

Why Dayton Investors Choose Asset-Based Hard Money

Dayton’s real estate market offers strong equity opportunities—from single-family homes near the University of Dayton to mixed-use buildings downtown. Traditional lenders often require income docs, tax returns, and high credit scores. Our asset-based hard money loans are different.

We fund based on equity, not income. Whether you’re acquiring or refinancing a property, we move fast—often closing in 2 weeks. No DSCR. No income verification. Just real estate-backed capital when you need it.

Program Highlights

No income documentation required
No credit score minimum
Up to 50% of purchase price or as-is value on a refinance
Full appraisal required
Closings in 2 weeks (3 weeks for commercial)
Available for SFR, multifamily, mixed-use, and commercial

Serving Dayton and Montgomery County

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Frequently Asked Questions

Do you lend on mixed-use buildings in Dayton?: Yes, we fund mixed-use properties throughout Dayton and Montgomery County.
Can I qualify with low credit?: Yes. We do not require a minimum credit score for asset-based loans.
Do you require income documentation?: No income docs are required. We underwrite based on property equity.
How fast can I close?: Most deals close in 2 weeks. Commercial properties may take up to 3 weeks.
Do you lend on multifamily properties?: Yes. We fund 5+ unit apartment buildings, duplexes, and small multifamily assets.
Is a full appraisal required?: Yes. We require a full appraisal for all Dayton asset-based loans.
Do you offer loans for ground-up construction?: No. Our asset-based program does not include construction financing.
Can I refinance a property I already own?: Yes. We offer refinance loans up to 50% of as-is value.