MoFin Lending for Ohio investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Ohio context
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios.
How MoFin Lending positions in Ohio
Ohio is well covered by national DSCR lenders, with MoFin Lending as one option. Where MoFin Lending differentiates: Licensed in 34 states. Where it competes: rates not publicly published against peer programs.
City-level coverage in Ohio
MoFin Lending provides DSCR coverage across Ohio metros including Columbus, Cleveland, and Cincinnati. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending program terms apply uniformly across Ohio metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Ohio property tax | 1.6% |
| Ohio state income tax | 3.99% |
MoFin Lending strengths in Ohio
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Ohio. MoFin Lending is based in an undisclosed location and operates nationally.
Columbus is the top investor market in Ohio and falls within MoFin Lending national coverage. Columbus property tax follows the Ohio state rate of 1.6 percent. MoFin Lending typically underwrites Columbus acquisitions at standard rate sheets.
Yes. Cleveland ranks among the larger Ohio investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Cleveland matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Ohio strongest cash flow markets in nation. Cleveland, Akron, Dayton, Youngstown all produce 0.7-1%+ rent-to-price ratios. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Ohio.
Ohio allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
For Ohio DSCR borrowers, MoFin Lending is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.