Ohio Hard Money Lenders for Fix & Flip, Construction, and DSCR Rentals
Get the Funding you need with Ohio Hard Money Loans from HardMoneyMan.com LLC
Funding Solutions for Ohio Real Estate Investors
Hard Money Loans Ohio – Close in 7–10 Days
Fix & Flip, Spec Construction, DSCR Rentals, Multifamily, and Commercial loans across Ohio. Approvals in 24 hours. Same‑day draws.
Ohio’s Trusted Hard Money Lender
With over 25,000 deals funded and $3.5 billion in loans closed, HardMoneyMan.com LLC is the leading choice for Ohio real estate investors. We specialize in fast closings, approvals in 24 hours, and same‑day draws to keep your projects moving.
Ohio Hard Money Loan Programs
- Fix & Flip Loans: Up to 90% purchase + 100% rehab. Perfect for distressed homes in Cleveland, Columbus, and Dayton.
- Spec Construction Loans: Builder financing with staged draws. Ideal for new builds in Cincinnati suburbs and Columbus infill lots.
- DSCR Loans: Rental income qualification, no personal income docs. Great for rental investors in Toledo, Akron, and Youngstown.
- Multifamily Loans: Financing for 5+ unit apartment buildings across Ohio’s growing metros.
- Commercial Loans: Offices, retail, mixed‑use, and industrial properties in Columbus, Cleveland, and Cincinnati.
- Asset Based Loans: Collateral‑driven financing for investors statewide.
Where We Lend in Ohio
We provide hard money loans across Ohio, including Columbus, Cleveland, Cincinnati, Dayton, Toledo, Akron, Parma, Canton, Youngstown, and Lorain. Whether you’re flipping a duplex in Cleveland or building new construction in Columbus, we’ve got you covered.
Case Studies: Ohio Projects Funded
Fix & Flip in Columbus
An investor purchased a distressed single‑family home in Columbus for $80,000. We funded 90% of the purchase and 100% of the rehab budget. After $50,000 in renovations, the property sold for $200,000, netting a $70,000 profit.
New Construction in Cleveland
A licensed builder secured financing for a 3‑bedroom new build in Cleveland’s west side. With staged draws and same‑day inspections, the project stayed on schedule. The home sold above asking price, and the builder reinvested profits into a second project in Akron.
DSCR Rental in Cincinnati
A landlord refinanced a duplex in Cincinnati using DSCR qualification. Rental income covered debt service, allowing the investor to cash‑out equity and expand their portfolio into nearby neighborhoods.
We Lend in:
Columbus, Cleveland, Cincinnatti, Toledo, Akron, Dayton, Parma, Canton, Youngstown, Lorain and other cities in Ohio
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
How fast can I close in Ohio?
Most loans close in 7–10 days, with approvals issued in 24 hours.
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 20–30% equity, with lot value often 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 Ohio.
Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, mixed-use, and industrial properties.
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 DSCR qualification.
Ready to Fund Your Ohio Project?
Apply today and close in as little as 7 days with same‑day draws available.