Trusted by real estate investors nationwide for 38+ years. Qualify based on your property’s rental income — not your tax returns or W-2s.
Get Started Today
You can qualify for a DSCR loan in Ohio when the rental income from the property is high enough to cover the full monthly housing payment. Approval is based on the performance of the real estate instead of your personal employment or tax returns. Once the coverage ratio meets the requirement, you can apply online and continue toward closing.
Ohio is one of the deepest cash-flow rental markets in the country — Columbus anchors Ohio State’s 60,000-student Big Ten flagship and Intel’s $20B Ohio One semiconductor megaproject in New Albany, Cleveland anchors Cleveland Clinic and Sherwin-Williams / Progressive / KeyCorp, Cincinnati anchors Procter & Gamble and Kroger, and Dayton anchors Wright-Patterson Air Force Base (the largest single-site Air Force employer in the US). Acquisition prices remain meaningfully below coastal alternatives.
Ohio is one of the country’s most reliable cash-flow rental markets — three distinct major metros, the world-class Cleveland Clinic, Ohio State’s 60,000-student Big Ten flagship, P&G and Kroger’s Cincinnati headquarters, Wright-Patterson AFB, and Intel’s historic $20B Columbus semiconductor megaproject — all at acquisition prices well below coastal alternatives.
Intel’s $20 billion Ohio One semiconductor campus under construction in New Albany (Licking County) is one of the largest private investments in Ohio history — reshaping Columbus-area workforce housing demand for the next decade.
Cleveland Clinic is one of the world’s leading medical institutions — alongside University Hospitals, MetroHealth, and Case Western Reserve, it anchors one of the most stable rental markets in the Midwest.
Up to 85% LTV financing available for qualified Ohio investors — meaning as little as 15% down on the right deal.
Ohio’s tenant base spans three deep metros and a major Big Ten flagship. Columbus anchors Ohio State University’s 60,000+ students, Nationwide Insurance HQ, JPMorgan Chase’s second-largest US operations, Cardinal Health HQ, Huntington Bancshares HQ, Honda of America (Marysville), and the Intel Ohio One megaproject — with rental inventory in Short North, Italian Village, Victorian Village, German Village, Clintonville, Grandview Heights, Bexley, Upper Arlington, plus suburbs Dublin, Westerville, Worthington, Hilliard, and New Albany. Cleveland anchors Cleveland Clinic, Sherwin-Williams HQ, Progressive Insurance HQ, KeyCorp HQ, Eaton, Parker Hannifin, and the Federal Reserve Bank of Cleveland — with rentals in Tremont, Ohio City, Detroit-Shoreway, University Circle, Edgewater, Lakewood, Cleveland Heights, Shaker Heights, and Beachwood. Cincinnati anchors Procter & Gamble HQ, Kroger HQ, Fifth Third Bancorp HQ, Cincinnati Children’s, and GE Aviation — with rentals in Over-the-Rhine, Mount Adams, Hyde Park, Walnut Hills, Northside, Oakley, and Mariemont. Dayton runs on Wright-Patterson Air Force Base (~30,000 personnel, the largest single-site Air Force employer in the US), Premier Health, and the University of Dayton. Akron delivers Goodyear HQ and Bridgestone. Toledo runs on Stellantis Jeep assembly and ProMedica. Lake Erie tourism (Cedar Point in Sandusky, Put-in-Bay, Marblehead, Catawba Island) and Hocking Hills cabin STRs round out the seasonal markets.
From property evaluation to closing, the path is the same whether you’re buying a Columbus Short North rental or a Cleveland Tremont duplex.
Confirm the strategy — Columbus growth-corridor SFR, Intel Ohio One workforce housing, Cleveland Clinic / University Circle rental, Cincinnati OTR / Hyde Park rental, Ohio State / Miami / OU student housing, Wright-Patterson military rental, or Lake Erie / Hocking Hills STR. Strategy drives projections.
Pull lease comps for the neighborhood. Single-family rentals use standard 12-month leases; Cleveland and Cincinnati duplexes / fourplexes use combined per-unit rent; OSU / Miami / OU student rentals use per-bedroom comps; Lake Erie and Hocking Hills STRs use peak-season projections.
Ohio property taxes vary significantly by county and municipality. We pull the actual current bill (not an estimate) up front — particularly important in higher-tax Cuyahoga (Cleveland) and Franklin (Columbus) counties.
Add principal, interest, the actual county property tax bill, and insurance. The PITI you see at application is the PITI you close at.
Compare projected rent to the full PITI payment. If the ratio meets program guidelines — typically 1.0 or higher — you’re ready to apply. Ohio’s lower acquisition prices mean ratios often clear comfortably above 1.0.
The application takes about 12 minutes. No tax returns, W-2s, or employment letters required — ideal for coastal-state investors entering Columbus, Cleveland, or Cincinnati cash-flow markets.
An Ohio-licensed appraiser verifies the property’s value and its market rent. For multifamily, the appraiser pulls per-unit comps. For OSU student rentals, per-bedroom comps where applicable.
Sign final docs and fund. Most Ohio DSCR loans close in 20 to 30 days from a complete file.
Ready to run the numbers on your Ohio deal?
Apply OnlineThe coverage ratio is the single most important number in a DSCR file. Here’s exactly how it’s calculated — with realistic Ohio cash-flow numbers.
From Columbus growth-corridor SFRs to Cleveland Tremont duplexes to Hocking Hills cabin STRs, DSCR works across Ohio’s investment landscape.
Single-family rentals in Short North, Italian Village, German Village, Clintonville, Grandview Heights, Bexley, Upper Arlington — plus suburban Dublin, Westerville, Worthington, Hilliard, and New Albany (Intel Ohio One corridor). Ohio State, Nationwide, Cardinal Health, Huntington, and Honda Marysville workforce.
2–4 unit multifamily in Tremont, Ohio City, Detroit-Shoreway, Edgewater, Lakewood, Cleveland Heights, and Shaker Heights — some of the cleanest DSCR cash-flow math in the Midwest. Cleveland Clinic, University Hospitals, Sherwin-Williams, and Progressive workforce demand.
Properties near Ohio State (60K+ students, Big Ten flagship), Miami University Ohio (Oxford), Ohio University (Athens), University of Cincinnati, Bowling Green, Kent State, Case Western, Akron, Toledo, Wright State, Xavier, Dayton, Oberlin, Denison, and Kenyon.
Single-family and small multifamily in Over-the-Rhine (OTR — major revitalization story), Mount Adams, Hyde Park, Mount Lookout, Walnut Hills, Northside, Oakley, and Mariemont — serving P&G, Kroger, Fifth Third, Cincinnati Children’s, and GE Aviation employees.
Single-family rentals near Wright-Patterson Air Force Base (Dayton metro) — the largest single-site Air Force employer in the US with ~30,000 personnel. Predictable BAH-anchored tenant demand.
Vacation rentals in Sandusky (Cedar Point), Put-in-Bay (South Bass Island), Marblehead, Catawba Island, and Geneva-on-the-Lake — plus Hocking Hills cabin rentals in Logan near Old Man’s Cave State Park.
The DSCR document list is shorter than a conventional loan because we don’t ask for tax returns, W-2s, or employment verification.
Driver’s license, passport, or state ID for each borrower on the loan — foreign passports accepted for foreign-national borrowers.
To verify down payment funds and reserves. We don’t review the deposits — only the balances.
Signed contract for the Ohio property you’re buying. For refinances, the existing mortgage statement.
For occupied long-term rentals, the existing lease. For Cleveland and Cincinnati duplexes / fourplexes: each unit’s lease. For OSU / Miami / OU student rentals: per-bedroom leases when applicable.
Most recent county tax bill (Ohio effective rates run roughly 1.5–1.6%, varying by county and municipality) — not an estimate. Cuyahoga (Cleveland) and Franklin (Columbus) counties run higher than statewide average.
Quote or binder for landlord/dwelling insurance — with windstorm coverage where applicable for Lake Erie shoreline properties. Required before closing, not at application.
If buying through an Ohio LLC: articles of organization, operating agreement, and EIN letter. Common for Cleveland and Cincinnati portfolio investors building 5+ unit collections.
Quick list of any other properties you own — addresses, mortgage balances, and rental income for each. Ohio investors often hold portfolios across multiple metros.
What we don’t ask for: tax returns, W-2s, pay stubs, employer verification, or personal income documentation. That’s the entire point of a DSCR loan.
Quick answers from a team that’s closed thousands of investor loans across the country.
Call 800-696-SAVE to talk through your Ohio deal with a licensed broker. No credit pull required.
Schedule a Free ConsultationWe help investors structure DSCR financing across Ohio — from Columbus growth-corridor SFRs in Short North, German Village, and Dublin (with the Intel Ohio One megaproject reshaping demand in New Albany), to Cleveland duplexes and fourplexes in Tremont, Ohio City, and Lakewood near Cleveland Clinic, Cincinnati OTR / Hyde Park / Northside rentals near P&G and Kroger, Ohio State and Miami University student housing, Wright-Patterson AFB military rentals, Akron and Toledo workforce housing, and Lake Erie / Hocking Hills vacation cabins. Ohio’s acquisition prices make it one of the strongest DSCR coverage states in the country.
Our team was recognized by WalletHub as one of the Best Mortgage Brokers in several cities for delivering clear communication and dependable execution.
You can read what our clients say, and when you’re ready, apply now or call 800-696-SAVE to discuss your Ohio investment plans.
38+
38
24h
We close DSCR investor loans coast to coast. Click your state to see local market details and start an application.
Whether you’re buying your first Columbus Short North SFR or your tenth Cleveland Tremont duplex, we’ll structure financing around the property’s cash flow. Ohio’s acquisition prices make coverage ratios easier to clear than almost anywhere else. Pre-approval in 24 hours.
English 
Español