Broker, not a lenderHard Money Lenders inCincinnati, Ohio
Fix and flip, DSCR rental and new construction financing for Cincinnati investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Cincinnati deal right now
Prefilled with a realistic Cincinnati deal. Change any number and it reprices instantly on the lanes licensed in Ohio, using the same engine behind our term sheets.
Financing a deal in Cincinnati
Cincinnati is a city of fifty-some neighborhoods stacked on hills, and each one trades like its own small town. The flippable stock is solid: brick Tudors, four-squares and bungalows from the 1910s through the 1940s, a lot of them built better than anything you could afford to build today. The west side, Westwood, Price Hill and Covedale, is where the volume is. The east side neighborhoods like Madisonville and Pleasant Ridge cost more to buy and sell for more.
What decides a Cincinnati flip is the hill. Views, slope, stairs from the street, retaining walls and whether the lot is sliding all change the price, and they can change it between two houses on the same block. The market overall is flat, prices up less than a percent this year and days on market longer than last year, so there’s no rising tide to cover a thin buy. The investors who do well here buy solid brick on stable ground, fix the systems, and finish to the neighborhood rather than above it.
What a Cincinnati deal looks like on paper
Cincinnati example: $135,000 purchase, $50,000 rehab, $255,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. For example, a 1930s brick Tudor in West Price Hill, 45238, with a dated kitchen, one bath, an old boiler and a sloped back yard. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15%)You$20,250
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$2,000
- Title and closingTitle$3,150
- Prepaid interest (15 days)Lender$643
- Property insuranceInsurer$1,758
- AppraisalAppraiser$550
Interest while you rehab: $907 a month on the $114,750 funded at closing, $1,303 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $7,817 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Cincinnati
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips2 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| Fastest Close (3 days) | 10% | No minimum | First flip OK | 11.99% | 2% | 75% of ARV | 6 months | 72 hours |
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Cincinnati comps say
Redfin puts the Cincinnati median sale price at $286,000 for the three months ending August 2026, up 0.5% from a year earlier, with homes selling in about 49 days compared to 45 a year ago. Zillow’s home value index for the city is $249,297, up 0.5%. In West Price Hill and Covedale, 45238, where our example sits, Redfin’s median is $235,000, down 2.1%.
| Median sale price, Cincinnati (Redfin, 3 months to Aug 2026) | $286,000 |
| Days on market, Cincinnati (Redfin) | 49 |
| Zillow home value index, Cincinnati (Aug 2026) | $249,297 |
| Median sale price, 45238 (Redfin) | $235,000 |
| Days on market, 45238 (Redfin) | 43 |
Sources: Redfin, Cincinnati housing market · Zillow, Cincinnati home values · Redfin, 45238 housing market
How a Cincinnati file actually gets priced
Hamilton County appraisers stay inside the named neighborhood, and in Cincinnati that’s the right call, because West Price Hill and East Price Hill are different markets, and Westwood north of Harrison Avenue sells differently from the south end. We use closed sales from the last 90 days in the same neighborhood and style, a brick Tudor against brick Tudors, and we look at lot condition in the photos. A comp with a flat yard and a driveway isn’t the same house as one with thirty steps up from the sidewalk, even at the same square footage.
Cincinnati has a long and expensive history with landslides, and the hillsides on the west side and along the river bluffs are where it shows up. Look for cracked retaining walls, leaning fences and doors that stick in the lower level, and get the slope looked at before you close. The older brick stock needs tuckpointing, box gutters that leak into the walls, and lead-safe paint practices. Building permits go through the city’s Department of Buildings and Inspections, and exterior work in the local historic districts, Over-the-Rhine and several others, goes through historic review first. Along Mill Creek and the river, check the flood map.
Who buys your finished Cincinnati deal
The finished Cincinnati house sells to someone working at the hospitals, the university, P&G, Kroger or the GE Aerospace plant up in Evendale, and on the west side that buyer is often from the neighborhood already. They want a second bath, a dry basement and a place to park, which is harder to add than it sounds on a hillside lot. Rentals are a real second exit, especially doubles and four-squares near the University of Cincinnati and the Uptown hospitals, where a DSCR refinance often fits better than a sale.
Your whole loan, in one portal
Apply once and the whole Cincinnati loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Cincinnati
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Cincinnati.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Cincinnati
We broker deals across the whole Cincinnati market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Ohio, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Cincinnati hard money FAQ
Do you lend hard money in Cincinnati?
Which fix and flip programs apply in Cincinnati?
How fast can a Cincinnati hard money loan close?
How much do I need to bring to close on a Cincinnati flip?
Do you fund the rehab budget in Cincinnati?
What credit score do I need for a Cincinnati fix and flip loan?
Can I refinance a Cincinnati flip into a rental loan?
How do Cincinnati hillsides affect a flip loan?
Are west side or east side Cincinnati neighborhoods better for flipping?
Before you sign anything
Ready to fund your Cincinnati deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.