Genesis Capital for Ohio investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Ohio context
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios.
How Genesis Capital positions in Ohio
Ohio is well covered by national DSCR lenders, with Genesis Capital as one option. Where Genesis Capital differentiates: large transaction capacity. Where it competes: rates 9.5 to 12 percent against peer programs.
City-level coverage in Ohio
Genesis Capital provides DSCR coverage across Ohio metros including Columbus, Cleveland, and Cincinnati. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Genesis Capital program terms apply uniformly across Ohio metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, bridge, rental, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Ohio property tax | 1.6% |
| Ohio state income tax | 3.99% |
Genesis Capital strengths in Ohio
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Ohio. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Columbus is the top investor market in Ohio and falls within Genesis Capital national coverage. Columbus property tax follows the Ohio state rate of 1.6 percent. Genesis Capital typically underwrites Columbus acquisitions at standard rate sheets.
Yes. Cleveland ranks among the larger Ohio investor metros and sees consistent DSCR loan volume from Genesis Capital. Submarket variation within Cleveland matters for property selection.
Genesis Capital applies the same rate sheet across Ohio metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Columbus, Cleveland, and Cincinnati all qualify for the same Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Ohio.
Ohio allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
Ohio investors considering Genesis Capital should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.