Capital Kings LLC · Broker, not a lenderFix and Flip Loans
in Ohio
Purchase plus 100% of the rehab budget for Ohio flips, funded through draws, with a term sheet before you commit. First flips welcome, 5% down once you have 3 completed flips. We broker Columbus, Cleveland, Cincinnati and every county in between.
Fix and Flip Loans in Ohio at a glance
Current program terms, not teaser rates. Your exact terms depend on the property, your credit and your experience. The term sheet shows the real numbers before you commit.
8.99%
Rates from
10%
Down on a first flip (5% with experience)
100%
Rehab funded via draws
75% ARV
Max loan
12 mo
Interest-only term
72 hrs
Fastest close
Programs and pricing
Ohio fix and flip terms as of September 2026
Same numbers the term sheet prints after you apply. Capital Kings LLC shops your Ohio scenario across 400+ lenders and places it with the one that fits. Read the full fix and flip guide for how the program works deal by deal.
Purchase plus 100% of the rehab budget, funded through draws. The program you land on depends on credit and how many flips you have completed.
| 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.
First flip in Columbus, 700 credit, lowest rate
$250,000 purchase · $50,000 rehab · $375,000 ARV · Best Rate program
- Loan amount
- $262,500
- Down payment (15%)
- $37,500
- Rate
- 9.49%
- Origination
- $2,000
- Broker fee
- $2,625
- Estimated cash to close
- $49,049
- Interest per month while you rehab
- $1,681
First flip in Columbus, 700 credit, least cash to close
$250,000 purchase · $50,000 rehab · $375,000 ARV · Fastest Close (3 days) program
- Loan amount
- $268,750
- Down payment (12.5%)
- $31,250
- Rate
- 9.75%
- Origination
- $2,688
- Broker fee
- $2,688
- Estimated cash to close
- $43,603
- Interest per month while you rehab
- $1,777
First flip in Columbus, 650 credit
$250,000 purchase · $50,000 rehab · $375,000 ARV · Fastest Close (3 days) program
- Loan amount
- $270,000
- Down payment (10%)
- $30,000
- Rate
- 11.99%
- Origination
- $5,400
- Broker fee
- $2,700
- Estimated cash to close
- $45,330
- Interest per month while you rehab
- $2,198
Estimates on Capital Kings terms as of September 2026. Cash to close includes down payment, origination, broker fee, title, prepaid interest, insurance and appraisal. Rehab is funded 100% through draws on every program.
Who it is for
Ohio investors we fund with fix and flip loans
First flips welcome
No completed deals required. Credit and the deal set the program; experience just moves you to a lower rate.
Investors keeping cash for the rehab
100% of the rehab budget is funded on every program, so the money you bring goes to the purchase, not the renovation.
Wholesale and auction contracts
Deals in Ohio with a hard closing date. 14 days is standard, and the fastest program on the table above closes in 72 hours.
LLC or personal name
Business-purpose loans, vested in your entity, on single family through small multifamily.
What we need from you
- Purchase contract
- Rehab budget or scope of work
- Two months of bank statements showing the cash to close
- Government ID
- LLC documents if you are closing in an entity
How it works
From application to funding in Ohio
- 1Send the dealAddress, purchase price, rehab budget, ARV and your credit range. Three minutes on the application.
- 2Get a term sheetLoan amount, rate, origination, broker fee, every closing cost and your cash to close, before any commitment.
- 3We shop itThe scenario goes to the lenders in our network that fund Ohio flips at your credit and experience level.
- 4Close and drawPurchase funds at closing. Rehab money is released in draws as work is completed and inspected.
Where we lend
Ohio, city by city
The Ohio markets we fund most. Not on the map? We broker every county in the state, so send the deal and we place it.
Common Questions
Ohio Lending FAQ
How much down payment do I need for a fix and flip loan in Ohio?
As of September 2026 in Ohio: 10% down with no minimum credit score at 11.99%, and 15% down at 700+ credit for our best rate, 8.99% to 9.49%. Investors with 3+ completed flips can go to 5% down at 600+ credit, 11.00% to 12.00%. Rehab is 100% funded through draws on every Ohio program.
What credit score do I need for an Ohio fix and flip loan?
No minimum score on the 10% down program, 700+ for the best-rate program, and 660+ for a DSCR rental loan. Our fastest-close program has no minimum score. First flips are welcome in Ohio; experience moves you to a lower rate, it is not a requirement.
How much cash do I need to close a $250,000 flip in Ohio?
On a $250,000 purchase with a $50,000 rehab and a $375,000 ARV, a first flip at 700 credit on the Best Rate program is about $49,049 cash to close ($37,500 down plus origination, broker fee, title, prepaid interest, insurance and appraisal). At 650 credit on the Fastest Close (3 days) program it is about $45,330. Figures as of September 2026.
Does the loan cover the rehab budget?
Yes, 100% of the rehab budget on every Ohio program. It is held back at closing and released in draws: you complete a stage, an inspector confirms it, the draw is wired. Budget for the first stage out of pocket.
How fast can an Ohio fix and flip loan close?
Most Ohio flips close in 7 to 14 days. The Fastest Close program closes in 72 hours at 10% down with no minimum credit score when title and insurance are ready.
Is Capital Kings a direct lender in Ohio?
No. Capital Kings LLC is a mortgage broker. We shop your Ohio scenario across a network of 400+ lenders and place it with the one that fits, and every fee is itemized on the term sheet before you commit.
More in Ohio
Other Ohio loan programs
Learn More
Ohio Investor Resources
How the loans are structured, what lenders check, and how to compare offers on an Ohio deal.
Ready to fund your Ohio deal?
Submit your scenario in under 3 minutes. We shop our 400+ lender network and send back a term sheet on your actual deal.
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.