The #1 Hard Money Lenders Cleveland Ohio Since 1998
As one of the go-to hard money lenders in Cleveland OH, HardMoneyMan.com offers hard money loans in Cleveland with fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
Where To Find Cleveland OH Hard Money Lenders
The Leader in Hard Money Loans in Cleveland
Submitting your application package is quick and easy.
Hard Money Loans Cleveland – Close in 7–10 Days
Fast, flexible financing for Cleveland investors. Approvals in 24 hours. Same‑day draws available.
Loan Programs Available in Cleveland
- Fix & Flip Loans: Up to 90% purchase + 100% rehab, staged draws, 6–12 month terms.
- Spec Construction Loans: 1–4 unit builds, staged draws, approvals in 24 hours.
- DSCR Rental Loans: Qualify based on rental income, 30‑year fixed or IO options.
- Multifamily Loans: Financing for 5+ unit apartment buildings across Cleveland.
- Commercial Loans: Asset‑based loans for offices, retail, mixed‑use, and residential properties.
- Asset‑Based Loans: Collateral‑driven financing based on property value, not credit.
Cleveland Fix and Flip Loans
Cleveland Construction Loans
Cleveland Rental Loans
Cleveland Multi Family Loans
Asset Based Loans in Cleveland
Commercial Hard Money Loans in Cleveland
Investing in Cleveland Neighborhoods
From flips in Tremont and Ohio City to rentals in Lakewood and Shaker Heights, Cleveland offers diverse opportunities. Traditional lenders hesitate on properties needing work or borrowers with credit challenges. HardMoneyMan provides fast, flexible capital so you can act quickly and secure deals.
Cleveland Investor Success Stories
Case Study 1: Tremont Fix & Flip
An investor purchased a duplex for $120,000, invested $45,000 in renovations, and sold for $215,000 within six months — netting $30,000 profit after loan payoff and costs.
Case Study 2: Lakewood Rental
A landlord refinanced a 4‑unit rental with a DSCR loan, locking in a 30‑year fixed rate. Monthly cash flow improved by $600 thanks to lower payments and no personal income docs required.
Cleveland Real Estate Market Highlights
Median Sale Price
$235,000
Feb 2025
Median Days on Market
49
Feb 2025
Homes Sold Above List
33.7%
Sep 2025
Avg Fix & Flip ROI
28.7%
Q3 2024
Avg Fix & Flip Profit
$70,250
Q3 2024
Frequently Asked Questions
How fast can I close in Cleveland?
Most loans close in 7–10 days, with approvals issued in 30 minutes.
Do you offer fix and flip loans?
Yes. We provide short-term fix and flip loans with flexible draws and fast closings.
What equity is required for spec home loans?
Builders typically need 15% skin in the deal, with lot purchase price counting toward this requirement.
Do you finance rental properties?
Yes. DSCR loans qualify based on rental income, not personal income documentation.
Do you finance multifamily properties?
Yes. We provide loans for 5+ unit apartment buildings across Cleveland.
Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, mixed-use, and self-storage and strip malls.
Do you lend to LLCs and entities?
Yes. All programs can be closed in LLCs or other entities.
Is Airbnb or short-term rental income considered?
Yes. Documented short-term rental income can be used for our non-DSCR program.
Do you require appraisals?
We require a full appraisal on all loans that we fund.
What is the typical ROI for flips in Cleveland?
Recent averages show ~28.7% ROI and ~$70,250 gross profit per flip.
Ready to Fund Your Cleveland Project?
Apply today and close in as little as 7 days. Fast approvals, same‑day draws, and flexible programs for flips, rentals, construction, and more.