Hard Money Lenders Cleveland – Fast DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
We fund residential and commercial loans across Cleveland and Ohio, including Columbus, Cincinnati, and Dayton. Close deals quickly with hard money financing for investors, landlords, and builders.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Investment Loan Programs in Cleveland
Cleveland Fix & Flip Loans
Fast funding for single-family or 1–4 unit flips with flexible draw schedules.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Cleveland Spec Home Construction Loans
Ground-up residential construction financing with interest-only payments and fast draws.
- Up to 100% of Construction Costs
- Interest-Only During Build
- Efficient Draw Process
- Close in 8-10 Days
Cleveland DSCR Rental Loans – 30-Year Financing
Qualify based on rental income rather than personal income. Designed for 1–4 unit residential properties.
- Minimum 660+ Credit Score
- 1–4 Unit Residential Properties Only
- Close in ~14 Days
Cleveland 5+ Unit Multifamily Loans
Financing for larger residential properties with flexible terms.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Cleveland Asset-Based Hard Money Loans
Property-secured financing for investors seeking flexibility without heavy documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Cleveland Commercial Hard Money Loans
Financing for offices, retail, warehouses, mixed-use, and 5+ unit multifamily properties.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
Cleveland Hard Money Lending for Investors, Builders & Landlords
Cleveland real estate investors trust hard money lenders Cleveland for fast, reliable financing across a variety of investment strategies. From fix & flip loans Cleveland to DSCR rental loans Cleveland, our programs are designed to help investors acquire, renovate, and refinance properties with minimal delays. Whether you’re purchasing a single-family home in Tremont, a 3-unit rental in Lakewood, or a 5+ unit multifamily building in Ohio City, our funding solutions allow you to move quickly and confidently.
Our spec home construction loans Cleveland and asset-based hard money loans Cleveland provide builders and experienced investors with flexible terms based on property value and projected cash flow rather than personal credit. We understand Cleveland’s competitive real estate market, and we structure loans to support fast closings, staged draws, and efficient financing for residential and commercial properties alike. From office spaces and retail properties to warehouse and mixed-use investments, our commercial hard money loans Cleveland are designed to fund opportunities that traditional lenders often overlook.
By working with our local team, Cleveland investors benefit from approvals in as little as 24 hours, flexible draw schedules, and loans closing in 7–20 days. We fund loans across Cleveland neighborhoods, including Tremont, Ohio City, Lakewood, Shaker Heights, and Downtown Cleveland. Our programs are available for LLCs, entities, and individual investors, allowing maximum flexibility for your portfolio growth. Explore our Ohio hard money lenders and hard money lenders Ohio pages for additional funding options statewide.
With over 25,000 successful investor transactions, we provide Cleveland real estate professionals with the confidence to act quickly, close efficiently, and maximize profits. Our team focuses on helping investors succeed with fix & flip loans Cleveland, DSCR rental loans Cleveland, spec home construction loans Cleveland, asset-based loans Cleveland, and commercial hard money loans Cleveland. No matter the size or complexity of your project, we have a funding solution tailored for you.
Recent Cleveland Investor Transactions
Tremont Fix & Flip
Purchase $120,000, Rehab $45,000, Sold $215,000 – Closed in 6 days
Lakewood DSCR Rental Refinance
3-Unit Property, DSCR 1.18, 30-Year Fixed – Closed in 13 days
Ohio City Spec Build
Ground-up 4-bedroom, Completed & Sold Above Asking – Closed in 10 days
Shaker Heights 4 unit Rehab
4-unit multifamily, Acquisition + Rehab – Closed in 8 days, borrower completed the rehab, rented all 4 units and we closed on the DSCR refinance on day 91 after the purchase was completed.
Frequently Asked Questions – Cleveland Hard Money Loans
Q: How fast can I close in Cleveland?
Most loans close in 7–14 days, with approvals issued in as little as 24 hours.
Q: Do you offer fix & flip loans?
Yes. We provide short-term fix & flip loans with flexible draws and fast closings.
Q: What equity is required for spec home loans?
Builders typically need 15% skin in the deal, with lot purchase price counting toward this requirement.
Q: Do you finance rental properties?
Yes. DSCR loans qualify based on rental income, not personal income documentation.
Q: Do you finance multifamily properties?
Yes. We provide loans for 5+ unit apartment buildings across Cleveland.
Q: Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, mixed-use, and self-storage and strip malls.
Q: Do you lend to LLCs and entities?
Yes. All programs can be closed in LLCs or other entities.
Q: Is Airbnb or short-term rental income considered?
Yes. Documented short-term rental income can be used for our non-DSCR program.
Q: Do you require appraisals?
We require a full appraisal on all loans that we fund.
Q: What is the typical ROI for flips in Cleveland?
Recent averages show ~28–30% ROI and ~$70,000+ gross profit per flip.