Where we lend · Ohio (OH)
Investment property financingin Ohio.
Fix & flip, DSCR rental, bridge and construction loans for investors in Columbus, Cleveland, Cincinnati and across Ohio. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Ohio,at a glance.
Ohio is one of the most active real estate investment markets in the Midwest. With a median home price well below the national average, strong rental demand from major employers and universities, and a steady stream of distressed inventory, Ohio offers exceptional opportunities for fix and flip investors and buy-and-hold landlords alike. Cities like Columbus are experiencing rapid population growth and rising property values, while Cleveland and Cincinnati offer high cash-on-cash returns for rental investors. Dayton and Akron continue to attract investors looking for affordable entry points with strong cash flow potential.
Markets we serve
- Columbus
- Cleveland
- Cincinnati
- Dayton
- Akron
- Toledo
Why AIRE Lending in Ohio
- Deep knowledge of Ohio real estate markets from Columbus to Cleveland
- Team experienced in lending across urban, suburban, and rural Ohio properties
- Fast closings — critical in Ohio's competitive investor market
- Programs tailored for Ohio's price points, from $60K rentals to $500K+ flips
- Local appraisal network ensuring fast turnaround across all major metros
Programs available
What we lendin Ohio.
Loan programs currently available through AIRE Lending in OH.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Ohio licensing and compliance
Ohio does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Ohio lending regulations.
Questions, answered
Lending in Ohio,explained.
What areas of Ohio do you lend in?
We provide private lending across all of Ohio, including Columbus, Cleveland, Cincinnati, Dayton, Akron, Toledo, Youngstown, Canton, and all surrounding suburbs and rural areas. If the property is in Ohio and the deal makes sense, we can finance it.
What are typical rates for hard money loans in Ohio?
Fix and flip rates in Ohio typically range from 9.5% to 12.5% depending on your experience, credit score, and deal leverage. DSCR rental loans start in the low 7% range. Ohio's lower property values mean many loans fall in the $75K-$300K range, which is well within our lending parameters.
How fast can I close on a property in Ohio?
Most Ohio investment property loans close within 10-14 business days. If you are purchasing at auction or from a motivated seller, expedited closings in 7-10 days are possible with a complete application and clean title.
Do you finance properties in smaller Ohio cities and rural areas?
Yes. While our volume is highest in the Columbus, Cleveland, and Cincinnati metros, we regularly finance properties in smaller Ohio cities and towns. The key factor is the deal itself — property value, market rents, and exit strategy all matter more than the specific city.