Best Ohio Investment Property Loans (Hard Money / DSCR) - Easy Street Capital!

[Robin Simon]

Easy Street Capital is proud to be a leading private lender for The Buckeye State! We offer industry leading Hard Money and DSCR Loans for every type of Ohio Real Estate Investor. Easy Street Capital is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies such as Short Term Rentals, Fixing and Flipping and the BRRRR Method! Our Ohio DSCR Loans are perfect rental loans for the long-term real estate investor looking for cash flow. Our Ohio Hard Money Loans are ideal for renovators looking to add value through rehabs or ground-up construction!

Check out the rest of this Ohio Investment Property Loans page for all the information you need on our loan programs. Check out recently funded rental loans in Ohio, information on all of our loan programs, FAQs, market analysis and more!

Real Estate investors from across the country are flocking towards properties in Ohio to build rental property portfolios. The Buckeye State is a current favorite of real estate investors due to many factors. These include a strong economy, affordable prices and stable rents! Easy Street Capital is proud to be a leading provider of loans for rental properties for real estate investors looking to build rental portfolios in Ohio!

Types of Loans for Investment Properties

When it comes to real estate investing in Ohio, there are many markets and types of investment property loans to choose from. For investors that like to get their hands dirty, rehabbing run down properties, hard money renovation loans are a perfect choice! These loans allow you to buy a property quickly and finance your rehab costs as well! Once you are done, you can either “flip” the property for a quick profit or pursue the BRRRR Strategy by renting it out and then refinancing into a long-term, low-rate DSCR loan!

Long-term DSCR Loans are also great for investing in turnkey rental properties. Turnkey refers to properties that are rent-ready and require no renovations. Move-in ready single-family homes and fully furnished short term rentals are great for cash flow and price appreciation. Most DSCR Loans are fixed rates for thirty years, locking you into a fixed interest rate for the long-term. While, if historical patterns continue, rents and appreciation increase steadily each year. Bottom line, debt costs stay the same while cash flow increases!

Where To Invest In Real Estate In Ohio

Ohio is a favorite market for real estate investment properties for many reasons. There are lots of varying markets that offer great potential for each type of real estate investor. Columbus is the largest city, capital and home to the flagship university. Cleveland is the second largest city and its ongoing revitalization efforts attract short term rental investors. Cincinnati is the third largest city in the state and fast-growing. Dayton is a sizable city with multiple distinguished universities. Finally, Yellow Springs, situated near many beautiful state parks, is a beloved vacation spot for nature enthusiasts.

Columbus

Columbus, the capital city of the state, stands as the largest city in Ohio, boasting a population of over 900,000 residents. The city’s thriving economy is diversified, encompassing sectors such as healthcare, technology, and finance. Columbus serves as the headquarters for prominent companies, including Cardinal Health, OCLC, and Worthington Industries, creating a robust job market and stability for rental property owners. It is also home to the Ohio State University, which has a student population of 61,000. Its vibrant business landscape and strong employment opportunities make Columbus an attractive destination for individuals seeking rental properties.

Columbus’s strong economy and growing population make it an attractive market for real estate investors. The city’s job growth and population growth create a steady demand for rental properties, with opportunities for long-term leases, medium-term rentals, and short-term rentals. Columbus is not only an economic powerhouse but also a cultural hub. The city boasts an underrated arts scene, with renowned institutions like the Columbus Museum of Art and the Ohio Theatre showcasing captivating exhibitions and performances.

Sports enthusiasts have much to cheer about in Columbus, as the city is home to the Ohio State Buckeyes, a collegiate sports powerhouse. The excitement of game days and the electric atmosphere surrounding Ohio Stadium draw in avid fans from near and far. This provides opportunities for short-term rentals to cater to the spirited crowds.

With its strong economy, vibrant arts and culture scene, sports fervor, and central location, Columbus presents an enticing landscape for real estate investors seeking to capitalize on the city’s dynamic growth and thriving rental market.

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Are you a Property Manager, Full-Scale Mortgage Broker (including Conventional, Non-QM) or Investor-Friendly Real Estate Agent in Ohio? We are looking for trusted professionals in Ohio to refer our investor borrowers too! Comment or DM me to discuss, and we can potentially feature you on our website!

[Annie Seurer]

I love Columbus - great city to invest in. I purchased over 400 rentals and flips there! 

I was surprised to read that Akron and Logan OH are hot STR markets as well.

[Robin Simon]

Quote from @Annie Seurer:

I love Columbus - great city to invest in. I purchased over 400 rentals and flips there! 

I was surprised to read that Akron and Logan OH are hot STR markets as well.

Agreed - we have a big 2024 Medium Term Rental Guide coming out soon and Columbus is one of our top recommended markets for MTRs (really a hybrid MTR/STR strategy)

[Robert Ellis]

Quote from @Robin Simon:

Quote from @Annie Seurer:

I love Columbus - great city to invest in. I purchased over 400 rentals and flips there! 

I was surprised to read that Akron and Logan OH are hot STR markets as well.

Agreed - we have a big 2024 Medium Term Rental Guide coming out soon and Columbus is one of our top recommended markets for MTRs (really a hybrid MTR/STR strategy)

 trying to get 7 new builds going with easy street. all urban. three houses and three triplexes with partners from all over let's see if you guys can perform 

[Robert Ellis]

Quote from @Annie Seurer:

I love Columbus - great city to invest in. I purchased over 400 rentals and flips there! 

I was surprised to read that Akron and Logan OH are hot STR markets as well.

 did you ever do new construction? 

[Annie Seurer]

Quote from @Robert Ellis:

Quote from @Annie Seurer:

I love Columbus - great city to invest in. I purchased over 400 rentals and flips there! 

I was surprised to read that Akron and Logan OH are hot STR markets as well.

 did you ever do new construction? 

 No, not when I was acquiring. 

[Robin Simon]

Recent Ohio DSCR Loan Fundings by Easy Street Capital!

💵Just Funded💵
$198,965 Cash-Out Refinance DSCR Loan on a Single Family Rental in Columbus, Ohio! This 2023 new-build is in pristine condition, leased to a family at slightly above-market rent, 1,326 square foot 3-bed, 2-bath affordable housing in Ohio's capital city!

💵Just Funded💵🧊BRRRR Loans🧊
$157,500 Cash-Out Refinance DSCR Loan at an interest rate of just 7.625% on a Single Family Rental in Columbus, Ohio! This four-bedroom, three-bathroom property is fully rented through late 2024 - providing robust cash flow (1.41x DSCR) for these BRRRR investors!

💵Just Funded💵🧊BRRRR Loans🧊
$255,000 Cash-Out Refinance DSCR Loan on a Short Term Rental in Cincinnati, Ohio! An "AirBnBRRRR" project - this investor purchased in May 2023, did a full renovation and now has cashed-out >100% of invested capital with a cash-flowing STR left over!

$455,000 Acquisition Multifamily DSCR Loan on a 5-Unit residential investment property in Cincinnati, Ohio! Multifamily DSCR Loans, 30-year fixed fully amortizing and EASY qualification (min 1.00x DSCR, calculated Rent/PITIA) - great 2024 Option!

[Robin Simon]

More Ohio Hard Money Loans and Ohio Rental Property Loans (DSCR) funded by Easy Street Capital!

💵Just Funded💵🛠️Fix And Flip Loans🛠️
$154,000 Hard Money Loan for a flip project in Cincinnati, Ohio! This full time engineer with a strong side business (and tremendous track record) flipping - scoops up this 1922 vintage SFR for a full scale flip!

💵Just Funded💵🛠️Fix And Flip Loans🛠️
$114,400 Fix And Flip Loan (Hard Money Loan) to finance the flip of a property in Sheffield Lake, Ohio! Local Investor with excellent relevant DIY skills (professional carpenter) scoops up this fifties vintage build for what should be a solid flip!

💵Just Funded💵
🌄Short Term Rental Loans🌄
$192,000 Refinance DSCR Loan on a cash-flowing short term rental investment property in Fairport Harbor, Ohio! This property has been generating giant returns for these investors, a super-successful STR sitting on Lake Erie outside of Cleveland.

$147,200 Refinance DSCR Loan on a Duplex in Akron, Ohio! Quick & Easy BRRRR execution by a pair of Real Estate Pros - bought in April and quickly renovated, rented and refinanced!
Easy Street Capital - best BRRRR Lender for Speed & Leverage (80% LTV on this Multi-Unit!)

💵Just Funded💵
🧊BRRRR Loans🧊
$127,500 Refinance DSCR Loan on a Single Family Rental in Columbus, Ohio! Professional Real Estate Investor with a financial freedom portfolio of 14 rental properties found @Zach Edelman here on BiggerPockets and we were able to finance this refi!

[Robin Simon]

More Easy Street Capital successfully funded Ohio DSCR Loans and Ohio Hard Money Loans!

💵Just Funded💵
🛠️Cleveland Fix And Flip Loans🛠️
$175,000 Hard Money Loan on a Fix And Flip duplex in Cleveland Ohio. Strong investor with immaculate credit and a strong experienced track record, scoops up a duplex in need of some minor rehab, should transform it into a solid cash-flowing property for sale soon!

💵Just Funded💵
🧊Cleveland BRRRR Loans🧊
$138,750 Cash-Out Refinance DSCR Loan on a Single Family Rental in Cleveland, Ohio! Investor solves the puzzle of this challenging market with a rock-solid BRRRR method transaction - low value properties, stable markets, focused rehabs = 💰💰💰

💵Just Funded💵
💰Cleveland DSCR Loans💰
$90,000 Acquisition DSCR Loan on a Duplex in Cleveland, OH! 1st Time Real Estate Investor starts real estate investing with a cash-flowing duplex. Easy Street Capital is the rare DSCR Lender that is full friendly to 1st timers and low loan amounts. Gotta start somewhere!

💵Just Funded💵
💰Cleveland DSCR Loans💰
$551,250 Cash-Out Refinance on a cash-flowing quadruplex in Cleveland, Ohio! Taking advantage of dropping rates, this highly experienced pair locked in 30-year fixed rate DSCR financing on this rental property at 7.5%, interest only payments for first 10 years!

💵Just Funded💵
$87,500 Cash-Out Refi DSCR Loan on a Duplex in Cleveland, Ohio via @Zach Edelman! Bought super-cheap in January 2022, investors fully rejuvenated this multi-unit property back to life, now rented providing Clevelanders affordable housing while also cash flowing!

[Robin Simon]

More successfully funded Ohio Hard Money Loans and Ohio DSCR Loans by Easy Street Capital!

💵Just Funded💵🧊BRRRR Loans🧊
$114,400 Hard Money Loan for the first two steps of the BRRRR Method - (Buy ➡️Rehab) on a project in Springfield, Ohio! Easy Street Capital isn't just the BRRRR Loan leader for refinances - also can help finance the all-important buy/reno pieces!

💵Just Funded💵
🛠️Ohio Fix And Flip Loans🛠️
$191,250 Hard Money Loan on a Fix And Flip project in Sharker Heights, Ohio! This 1931-build is scooped up by a super flipper (25 successful flips last two years and hundreds in track record!) - should be a quick and profitable Midwest Flip!

💵Just Funded💵
$275,800 Cash-Out Refinance DSCR Loan on a quadruplex in Cincinnati, Ohio! Investor takes some cash-out of this fully-leased and cash-flowing four-unit rental property to continue building a strong Midwestern real estate portfolio!

💵Just Funded💵
$87,750 Cash-Out Refi DSCR Loan on a Single Family Rental in Lorain, Ohio! Real Estate Investor takes some cash-out of this robustly cash-flowing rental to continue building a financial freedom real estate portfolio (now with four rental properties in 3 years exp!)

💵Just Funded💵
🏖️AirBnBRRRR🧊
$712,500 Refinance DSCR Loan on a Short Term Rental investment property in Columbus, Ohio! New Build fully tailored for STRs - should perform well in the Columbus Market - lots of demand drivers year-round (OSU Sports, underrated Museum/Arts scene)

[Robin Simon]

More great Ohio DSCR Loans provided by Easy Street Capital!

💵Just Funded💵
$152,250 Acquisition DSCR Loan on a Single Family Rental investment property in Columbus, Ohio! Three local investors team up in an LLC to invest and manage real estate, this time securing a solid deal - should rent quickly and provide cash flow from the start!

💵Just Funded💵
$129,450 Acquisition DSCR Loan on a Single Family Rental in Columbus, Ohio! Local Real Estate Investor continues to build his financial freedom portfolio through real estate, with this property his 8th (one duplex, 7 SFRS). Building slowly but surely!

💵Just Funded💵
🏕️Columbus airbnb Loans🏕️
💰Ohio DSCR Loans💰
$712,500 DSCR Loan on a Refinance of construction debt on a purpose-built Short Term Rental "AirBnBRRRR 2.0" in Columbus, Ohio - the largest city and capital of the Buckeye State! New-build 3 bedrooms + a loft - great for big groups!

💵Just Funded💵
🏕️Columbus airbnb Loans🏕️
💰Ohio DSCR Loans💰
$712,500 Refinance DSCR Loan on a successful AirBnBRRRR (2.0 - new custom build brrrr) execution in Columbus, Ohio! Real Estate investing group ran into issues with the refi with their original anti-STR lender, @Jack Tulloch and Easy Street saved the day!

💵Just Funded💵
🏘️DSCR Portfolio Loans🏘️
💰Ohio DSCR Loans💰
$444,500 Cash-Out Refi Blanket DSCR Loan on a three-property portfolio in Columbus, Ohio. Experienced local investor bundles three rental properties together (2 duplexes, 1 SFR) to take out approximately $100k of equity to simplify and seize market opportunities!

💵Just Funded💵
💰Ohio DSCR Loans💰
🏘️Quadruplex Loans🏘️
$560,000 cash-out refinance in Columbus, Ohio on a four-unit property (quadruplex or "fourplex") featuring a mix of long-term rentals and short-term rentals. via @Zach Edelman

[Robin Simon]

More great Ohio DSCR Loans provided to real estate investors by Easy Street Capital!

💵Just Funded💵💰Ohio DSCR Loans💰
$145,600 Rental Property Loan in Brookville, Ohio funded by Easy Street Capital! This investing duo able to access 80% LTV (✅✅✅) on a refinance - maintains a robust 1.35x DSCR Ratio (💰💰💰) after - Midwest Market Cash Flow!

💵Just Funded💵💰Ohio DSCR Loans💰
$147,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Brookeville, OH! Married couple continues to build a financial freedom portfolio through real estate and dscr loans (allow to borrow through a 50/50 LLC) - cash out to buy more!

💵Just Funded💵💰Cash-Out Refinance💰
$179,250 DSCR Loan on the refinance of a Single Family Rental in Ashland, OH via @Zach Edelman! A great Midwest 🧊BRRRR Method🧊execution - property was bought in 2022 - now fully renovated, big value-add, rented thru Sep '25 and cash-out!

💵Just Funded💵
💰Ohio DSCR Loans💰
$98k cash-out refinance on a SFR from Easy Street
in Barberton, Ohio. Barberton is known for "Barberton Chicken" or "Serbian Fried Chicken" a dish native to the city, with some proclaiming it the "Fried Chicken Capital of the World"

💵Just Funded💵
💰Ohio DSCR Loans💰
🏘️Multifamily DSCR Loans🏘️
$114,675 Acquisition Multifamily DSCR Loan on a 5-Unit residential investment property in Canton, Ohio! Budding real estate mogul purchases her 10th property - this one already 100% occupied and should provide healthy cash flow from Day 1!

💵Just Funded💵
💰Ohio DSCR Loans💰
🧊Ohio BRRRR Loans🧊
$169,000 Cash-Out Refi DSCR Loan on a Duplex in Cincinnati, Ohio! Local Real estate investor cashes out some equity on this cash-flowing duplex after purchasing last November and doing a full renovation. Local Market Expertise + BRRRR Method = 💰💰💰 Flow

💵Just Funded💵
💰Ohio DSCR Loans💰
🏘️Duplex Loans🏘️
$140,250 Cash-Out Refinance DSCR Loan on a Cash-Flowing Duplex Investment Property in Cincinnati, Ohio! 50/50 real estate investing partners team up again for their fifth rental property as they invest across the country in search of overlooked, cash-flowing markets

💵Just Funded💵
💰Ohio DSCR Loans💰
$100,250 SFR Acquisition DSCR Loan in Dayton, Ohio! Prolific flipper in the Ohio real estate market pivots strategy to buy and hold with the purchase of this recently renovated singe family property three miles east of downtown Dayton - cash flow!

💵Just Funded💵
💰Ohio DSCR Loans💰
$237,000 Cash-Out Refinance DSCR Loan on a Single Family Rental in Etna, Ohio! How to cash flow in this stubbornly volatile market - solid, conservative SFR investments - low leverage, Midwest Markets and low-rate lenders like Easy Street Capital!

💵Just Funded💵
💰Ohio DSCR Loans💰
🧊Ohio BRRRR Loans🧊
$152,000 Rate-Term Refinance at 80% LTV (yes, you read that right, 80% LTV on a refi DSCR Loan) in Geneva, Ohio! BRRRR executed by a scaling real estate investor with a portfolio of 7 rental properties, this locks in robust cash flow / 30-yr fixed