Licensed & Lending
Hard Money & DSCR Loans in Ohio
Capital Kings funds Ohio investor loans. Hard money, DSCR, and bridge across Columbus, Cleveland, Cincinnati, and Ohio's secondary markets. Ohio is one of the highest-cash-flow rental markets in the country and our lender network funds there heavily.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
270+
Lenders in Network
37
States Licensed
7-Day
Avg. Flip Close
1.0+
Min DSCR Ratio
Loan Products
Capital That Funds Ohio Deals
Cleveland, Cincinnati, and Dayton all offer entry prices that make BRRRR strategies highly accretive. Buy under $100k, rehab, refi out with strong cash flow. Our DSCR lenders price these deals confidently because the rent comps are abundant. Columbus, with Intel and the broader tech migration, is the appreciation play.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Ohio fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Ohio buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Ohio growth corridors specifically.
Why Capital Kings
Built for Ohio Investors
Cleveland / Cincinnati BRRRR financing
Available statewide for Ohio investors.
Columbus appreciation-play DSCR loans
Available statewide for Ohio investors.
Bridge financing for value-add multifamily
Available statewide for Ohio investors.
Fix-and-flip statewide
Available statewide for Ohio investors.
Common Questions
Ohio Lending FAQ
Do you lend hard money loans in Ohio?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Ohio through our 270+ lender network. We close Ohio deals in as little as 7 days.
What cities in Ohio does Capital Kings lend in?
We fund investor loans statewide in Ohio, with active deal flow in Columbus, Cleveland, Cincinnati, Toledo, Akron and the surrounding metros.
Do you offer DSCR rental loans in Ohio?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Ohio on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Ohio hard money loan close?
Most Ohio fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Ohio fix-and-flip loan?
As little as 0% down on the right deal. Most Ohio hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Ohio can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Ohio Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Ohio deal we close.
Ready to fund your Ohio deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Ohio are originated by partner lenders licensed to lend in Ohio. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.