Best DSCR Lenders in Ohio (2026)
Compare dscr lenders serving Ohio real estate investors. We found 15 lenders offering dscr loans in Ohio — see rates, LTV, credit requirements, and expert reviews below.
Investing in Ohio
Cleveland, Columbus, and Cincinnati offer strong cash flow with affordable prices. Columbus is growing fastest (Intel investment). Higher property taxes are the main drag on returns.
Key Markets
Typical Rates
6.5%–8.5%
Max LTV
75%–80%
Typical Terms
30-year fixed or 5/6 ARM
Min Credit
620–680
DSCR Lenders Serving Ohio
| Lender | Rates | Max LTV | Min Credit | Loan Range | Speed | Rating |
|---|---|---|---|---|---|---|
| KiaviFeatured | 6.5%–12% | 80% | 640 | $100K–$3M | 10–21 days | 4.5 |
| CoreVestFeatured | 6.5%–10% | 75% | 660 | $500K–$100M | 21–45 days | 4.4 |
| Lima One CapitalFeatured | 7%–12.5% | 80% | 660 | $75K–$5M | 14–21 days | 4.3 |
| Visio Lending | 6.5%–8.5% | 80% | 680 | $75K–$2M | 21–30 days | 4.2 |
| Easy Street Capital | 6.75%–12% | 80% | 640 | $75K–$2M | 10–21 days | 4.2 |
| RCN Capital | 6.5%–12% | 80% | 620 | $75K–$2.5M | 14–21 days | 4.1 |
| Angel Oak Mortgage Solutions | 6.5%–9% | 80% | 660 | $100K–$3M | 21–30 days | 4.1 |
| Civic Financial Services | 7.5%–12% | 80% | 640 | $75K–$5M | 10–21 days | 4.1 |
| New Silver | 7.5%–13% | 80% | 650 | $100K–$5M | 5–10 days | 4.0 |
| Griffin Funding | 6.5%–9% | 80% | 620 | $100K–$5M | 21–30 days | 4.0 |
| Velocity Mortgage Capital | 6.5%–9% | 75% | 660 | $100K–$5M | 21–45 days | 4.0 |
| Defy Mortgage | 6.5%–9% | 80% | 620 | $100K–$3M | 21–30 days | 3.9 |
| Roc Capital | 7%–12% | 80% | 620 | $75K–$5M | 10–21 days | 3.9 |
| Lendency | 6.75%–8.5% | 80% | 660 | $75K–$2M | 14–21 days | 3.8 |
| Lima One (formerly OfferMarket) | 6.5%–8.5% | 80% | 640 | $75K–$2M | 21–30 days | 3.7 |
Kiavi
4.5Kiavi (formerly LendingHome) is one of the largest tech-enabled lenders for real estate investors, offering fix-and-flip and DSCR rental loans with a fully digital platform. Known for fast closings and competitive pricing for experienced investors.
6.5%–12%
80%
640
10–21 days
$100K–$3M
No experience required
CoreVest
4.4CoreVest (a Redwood Trust company) specializes in rental portfolio loans and build-to-rent financing. The go-to lender for investors with 5+ rental properties who want to consolidate under one blanket loan.
6.5%–10%
75%
660
21–45 days
$500K–$100M
5+ deals
Lima One Capital
4.3Lima One Capital is a full-service investment property lender offering fix-and-flip, bridge, rental (DSCR), construction, and multifamily loans. Known for broad product range and willingness to work with newer investors.
7%–12.5%
80%
660
14–21 days
$75K–$5M
No experience required
Visio Lending
4.2Visio Lending specializes exclusively in long-term DSCR rental loans. As a pure DSCR shop, they've built deep expertise in rental property lending with competitive rates and efficient processing.
6.5%–8.5%
80%
680
21–30 days
$75K–$2M
No experience required
Easy Street Capital
4.2Easy Street Capital is a fast-growing investor lender offering DSCR, fix-and-flip, and bridge loans with an emphasis on speed and customer service. Known for competitive rates and a borrower-first approach.
6.75%–12%
80%
640
10–21 days
$75K–$2M
No experience required
RCN Capital
4.1RCN Capital is a national lender specializing in fix-and-flip, bridge, and long-term rental (DSCR) loans for real estate investors. Known for competitive rates on DSCR products and a straightforward closing process.
6.5%–12%
80%
620
14–21 days
$75K–$2.5M
No experience required
Angel Oak Mortgage Solutions
4.1Angel Oak Mortgage Solutions is a leading non-QM lender offering DSCR, bank statement, and investor cash flow loans. One of the largest non-QM originators in the country with a wide broker network.
6.5%–9%
80%
660
21–30 days
$100K–$3M
No experience required
Civic Financial Services
4.1Civic Financial Services is a private money lender offering business purpose loans including fix-and-flip, bridge, and DSCR products. A subsidiary of Pacific Western Bank, providing institutional backing with private lender flexibility.
7.5%–12%
80%
640
10–21 days
$75K–$5M
No experience required
New Silver
4.0New Silver is a technology-first hard money and DSCR lender that emphasizes speed, offering instant term sheets and same-day pre-approvals. A strong option for fix-and-flip investors who need certainty and speed.
7.5%–13%
80%
650
5–10 days
$100K–$5M
No experience required
Griffin Funding
4.0Griffin Funding is a mortgage lender specializing in non-QM products for investors, including DSCR, bank statement, and asset-based loans. Strong option for self-employed borrowers and investors with complex income situations.
6.5%–9%
80%
620
21–30 days
$100K–$5M
No experience required
Velocity Mortgage Capital
4.0Velocity Mortgage Capital specializes in small balance commercial loans for investment properties — DSCR for 1-4 units and commercial for 5+ units. One of the longest-standing investor lenders in the non-QM space.
6.5%–9%
75%
660
21–45 days
$100K–$5M
Varies
Defy Mortgage
3.9Defy Mortgage is a non-QM lender offering DSCR, bank statement, and asset depletion loans for real estate investors. Known for aggressive marketing and competitive rates on non-QM products.
6.5%–9%
80%
620
21–30 days
$100K–$3M
No experience required
Roc Capital
3.9Roc Capital (Roc360) is a nationwide hard money and DSCR lender providing fix-and-flip, bridge, and rental loans for real estate investors. Known for a wide product suite and competitive pricing.
7%–12%
80%
620
10–21 days
$75K–$5M
No experience required
Lendency
3.8Lendency is a DSCR lender focused on simplicity and speed, offering 30-year rental loans with a streamlined application process. Targets investors who want a straightforward DSCR experience.
6.75%–8.5%
80%
660
14–21 days
$75K–$2M
No experience required
Lima One (formerly OfferMarket)
3.7OfferMarket is a tech-enabled DSCR lender offering competitive 30-year rental loans with a focus on investor education and transparent pricing.
6.5%–8.5%
80%
640
21–30 days
$75K–$2M
No experience required
About DSCR Loans in Ohio
DSCR (Debt Service Coverage Ratio) loans qualify based on the property's rental income, not your personal income or W-2s. The most popular loan product for buy-and-hold real estate investors scaling a rental portfolio.
Ohio real estate investors use dscr loans for buy-and-hold rental investors and self-employed investors without w-2 income. Compare dscr terms from multiple lenders to find the best fit for your Ohio investment strategy.
Other Loan Types in Ohio
DSCR Lenders in Nearby States
Analyze Your Ohio Deal
Use our free calculator to see if your Ohio investment works with DSCR financing.