Fix & Flip Loans for Ohio Investors
Short-term capital to buy and renovate residential investment property across Ohio. We fund the purchase and the rehab, so you can move on a deal without tying up your own cash.
A fix & flip loan is built for one thing: getting you to the closing table fast on a property you plan to renovate and resell. We lend on the asset and your plan for it, not your W-2s or tax returns, which is why investors come to us when a bank can't move quickly enough.
For experienced operators with a proven track record, we can fund up to 100% of cost: the full purchase price plus 100% of your rehab budget through milestone-based draws, structured so the loan stays within 75% of the after-repair value. You move on the deal without tying up your own cash, and rehab funds are released as the work gets done.
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Loan details
Up to 100% LTC is reserved for experienced operators with a proven track record and is structured so the loan does not exceed 75% of after-repair value (ARV). All loans subject to approval.
Who it's for
- —Investors buying distressed properties to renovate and resell
- —First-time flippers with a clear rehab plan and exit strategy
- —Experienced operators scaling their flip pipeline
How a fix & flip loan works
Submit your deal
Send us the property, your purchase price, rehab budget, and estimated ARV. It takes about three minutes.
We review the numbers
We underwrite the deal on the property and your plan, not your income, and get back to you within one business day.
Close and draw
We fund the purchase, then release rehab funds in draws as you hit renovation milestones.
Sell or refinance
You finish the project and exit by selling, or refinance into a long-term DSCR loan and keep it as a rental.
A typical Ohio fix & flip
You find a 3-bed in Columbus listed at $95K that needs $40K in work and will appraise around $185K post-rehab. You need fast capital for the purchase and rehab with a plan to sell within six months. We fund the buy and the rehab draws, you do the work, and you exit on sale.
Common questions
How fast can you close a fix & flip loan?
We close in days, not weeks, and we've closed deals in as few as 2 days when the file is clean and the deal makes sense. The biggest variable is usually how quickly title and insurance come together.
Do you finance the rehab budget?
Yes. We can finance up to 100% of your rehab costs, released through milestone-based draws as the work is completed. You fund the work, submit for a draw, and we reimburse against completed milestones.
Do I need a certain credit score or tax returns?
No tax returns or W-2s. We don't have a hard FICO minimum like a bank; we underwrite the property and your plan for it. A solid deal and some of your own capital in the project matter far more than your credit profile.
Do you lend to first-time flippers?
Yes, as long as the deal is sound and you have a clear rehab plan and exit. Experience helps, but a well-structured first deal in a market we understand can absolutely get funded.