LendingOne for Ohio investors
LendingOne is an established national non-QM lender with deep coverage across hard money and rental products. Covers all states and DC except Alaska, Nevada, North Dakota, South Dakota, and Utah, with 75% LTV on cash-out refinance.
Ohio context
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios.
How LendingOne positions in Ohio
Ohio is well covered by national DSCR lenders, with LendingOne as one option. Where LendingOne differentiates: established track record. Where it competes: rates 9 to 12 percent against peer programs.
City-level coverage in Ohio
LendingOne provides DSCR coverage across Ohio metros including Columbus, Cleveland, and Cincinnati. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. LendingOne 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, BRRRR, rental, bridge, new-construction |
| Loan size | $85K - $2.0M |
| Rates | 9%-12% |
| Points | 1 - 3 |
| Max LTV | 80% of ARV |
| Term lengths | 12-24 months (hard money) / 30-year (rental) |
| Typical close time | 14-21 days typical |
| Ohio property tax | 1.6% |
| Ohio state income tax | 3.99% |
LendingOne strengths in Ohio
- established track record
- broad product suite
- national investor focus
Ideal borrower: Mid-to-experienced investor with stabilized portfolio
FAQ
Yes, operates nationally including Ohio. LendingOne is based in Boca Raton, FL and operates nationally.
Columbus is the top investor market in Ohio and falls within LendingOne national coverage. Columbus property tax follows the Ohio state rate of 1.6 percent. LendingOne typically underwrites Columbus acquisitions at standard rate sheets.
Yes. Cleveland ranks among the larger Ohio investor metros and sees consistent DSCR loan volume from LendingOne. Submarket variation within Cleveland matters for property selection.
LendingOne 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 LendingOne program.
LendingOne indicative DSCR rate range is 9 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. LendingOne follows standard business-purpose loan structures.
LendingOne funds fix-and-flip, BRRRR, rental, bridge, new-construction in Ohio.
Ohio allows standard DSCR prepay structures; LendingOne typically uses 3-5 year step down.
LendingOne typical close: 14-21 days typical.
Bottom line
For Ohio DSCR borrowers, LendingOne is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with LendingOne.