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
Ohio Fix & Flip & Hard Money FAQs (100% Original)
How do hard money loans work in Ohio?
Hard money loans in Ohio are short-term, real estate–backed loans used by investors to purchase, renovate, or refinance investment properties. Approval is based primarily on the property value, location, and exit strategy rather than personal income.
What types of properties do Ohio hard money lenders finance?
Ohio hard money lenders typically finance single-family homes, 1–4 unit residential properties, small multifamily buildings, mixed-use properties, and select commercial assets in active investment markets.
How fast can I close on a hard money loan in Ohio?
Most Ohio hard money loans can close in as little as 7 days, with approvals often issued within 24 hours once the deal details and property information are reviewed.
Do hard money lenders in Ohio require good credit?
No. Ohio hard money loans are asset-focused. While credit history is reviewed, approval is driven by the property value, loan-to-value ratio, and the strength of the investment deal.
What loan-to-value ratios are common for Ohio hard money loans?
In Ohio, hard money lenders commonly offer up to 90% of the purchase price and up to 100% of renovation costs, depending on the after-repair value (ARV) and market conditions.
Are hard money loans legal in Ohio?
Yes. Hard money lending is legal in Ohio and widely used by real estate investors for fix and flip projects, rental acquisitions, and short-term bridge financing.
Can I use a hard money loan to buy rental property in Ohio?
Yes. Hard money loans are often used to acquire or stabilize rental properties in Ohio before refinancing into a long-term DSCR or conventional loan.
Do Ohio hard money lenders finance properties in smaller cities?
Yes. In addition to major metros like Cleveland, Columbus, and Cincinnati, many Ohio hard money lenders finance properties in secondary and tertiary markets with strong rental or resale demand.
What fees should I expect with an Ohio hard money loan?
Typical fees include origination points, third-party inspections or appraisals, and standard closing costs. All fees are disclosed upfront before closing.
When is a hard money loan not the right choice in Ohio?
Hard money loans are not intended for primary residences or long-term owner-occupied financing. They are best suited for investment properties with a clear exit strategy.
Ready to Fund Your Ohio Project?
Apply today and close in as little as 7 days with same‑day draws available.