Ohio Hard Money Lenders – Fast DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
We provide fast, reliable hard money financing across Ohio, including Cleveland, Columbus, Cincinnati, Dayton, Toledo, Akron, and Youngstown. Whether you are flipping a home, building a new property, or acquiring rental units, our loans help investors close deals quickly and efficiently.
Ohio hard money lenders trust us for our experience, transparent terms, and speed. From DSCR rental loans to commercial funding, we tailor solutions to every investor’s needs and keep the process simple from application to closing.
- ✅ 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
Investors across Ohio rely on our hard money loans to quickly fund residential and commercial projects. Whether you are flipping a home, constructing a new property, or acquiring rental units, our Ohio Hard Money Lenders provide fast, reliable financing to help you close deals in Cleveland, Columbus, Cincinnati, Dayton, Toledo, Akron, Youngstown, and surrounding areas. Our programs are designed for investors who need speed and flexibility without the lengthy approvals of traditional banks.
With HardMoneyMan.com, you get access to tailored lending solutions that focus on property value and deal potential rather than just credit scores. From DSCR rental loans to commercial hard money financing, our Ohio Hard Money Lenders streamline the process from application to closing, ensuring you can seize opportunities in competitive markets. Transparent terms, flexible programs, and expert underwriting make us a trusted partner for investors across the state.
Investment Loan Programs for Ohio Hard Money Lenders
Ohio Hard Money Lenders – Fix & Flip Loans
Short-term financing for investors flipping residential properties in Ohio. Close in 7–14 days with our hard money lenders.
- Up to 90% Purchase
- 100% Renovation Funding
- Terms Based on Credit & Flip Experience
Ohio Hard Money Lenders – Spec Home Construction Loans
Finance ground-up residential builds with fast approvals and flexible draw schedules through our Ohio hard money lenders.
- 1–4 Unit Residential Projects
- Up to 85% Loan-to-Cost
- Interest-Only During Build
Ohio Hard Money Lenders – 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than personal income, offered by our Ohio hard money lenders.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in as little as 14 Days
Ohio Hard Money Lenders – Asset-Based Hard Money Loans
Loans secured by property assets for residential and commercial investors needing fast, flexible financing from Ohio hard money lenders.
- 1–4 Unit Residential
- 5+ Unit Residential
- Commercial: Retail, Office, Warehouse, Mixed-Use
- 50% Loan-to-Value Maximum
- Close in as little as 2 Weeks
Ohio Hard Money Lenders – Commercial Hard Money Loans
Financing for commercial real estate investors across Ohio with fast funding and competitive terms through our hard money lenders.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
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 & Flip & Hard Money FAQs
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?
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.