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Hard Money Lenders Cincinnati

Cincinnati Hard Money Loans for Fix and Flips, DSCR Rentals, and Ground Up Construction

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Cincinnati, Ohio

Fix & Flip Loan

Sample Deal

cincinnati house after fix and flip project

Loan Amount $274,500

83% of Purchase + 100% of Rehab

Rate: 10.99%
12 Months

Points: 2.0%
15 Days to Close

Featured In

Why We’re The Best Hard Money Lender In Cincinnati

We pride ourselves on being one of the best investment property lenders in Cincinnati for Fix and Flips, GUC, Rentals, and Multifamily investments.

Competitive Terms

We provide competitive Terms on Cincinnati investment property loans. Cincinnati Fix and Flip Loan rates range from 10.5%-11.5% and Origination Fee from 1.5%. DSCR Loan Rates range from 6.0% to 7.99% and Origination Fee from 0%.
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See our Loan Products Section for a detailed pricing breakdown of each Cincinnati loan product.

Simple Online Application

Real Estate investors can apply online, get pre-approved, or schedule a call in 2 minutes. Working with Ridge Street is simple and fast.

Start your simple online application today. Learn More

Quick Turn Around

Our team is always available to take your call. If you submit a Quick Application or a Pre-Approval Application we’ll get back to you within 1 business hour.

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Reliable Financing

Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.

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Cincinnati Hard Money Loan Products

We provide fast and fairly priced Fix & Flip, DSCR and Construction Loans to local investors in the Cincinnati area.

Cincinnati Fix and Flip Loan

Funding For Rehab + Purchase

$50,000 up to $3,000,000

Interest Rate 10.5%-11.5%

Origination Fee From 1.5%

Up to 90% of Purchase and 100% of Rehab

Fix and Flip Loans For Beginners Allowed

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Get Approved Online

Cincinnati DSCR Loan

30 Year DSCR Loans For Rental Properties

Up to $2,000,000

Interest Rate 6.0%-7.99%

Origination Fee From 0%

Up to 80% of LTV

Airbnb Loans and Long-term Rentals

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Ground Up Construction

For New Builds and Construction Completion

Up to $3,000,000

Interest Rate 10.99%-12.25%

Origination Fee From 1.5%

Up to 75% of Purchase and 100% of Construction

Up to 90% LTC

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You’re Local In Cincinnati, You Want A Lender Who Knows The Cincinnati Market

Understanding the Cincinnati market

Cincinnati, OH, combines affordable entry prices with a housing stock rich in historic architecture, making it one of Ohio's most active fix-and-flip markets. The city's economy draws on a deep base in healthcare, finance, and manufacturing, with major employers including Procter & Gamble, Cincinnati Children's Hospital, and Fifth Third Bank sustaining consistent housing demand. Neighborhoods like Over-the-Rhine and Hyde Park are experiencing sustained urban investment, creating strong resale demand for renovated properties.

As a trusted lender, Ridge Street Capital is dedicated to providing flexible financing solutions to help real estate investors succeed in Ohio's dynamic market.

Experience Boost Program for local real estate investors

If you have local fix and flip or ground-up construction experience in Hamilton County within the last 3 years, we’ll increase your leverage on our hard money loans for fix and flips.

Cincinnati Experience Boost Program Summary

The purpose of the local experience boost program is to give investors with local experience and good credit a 5% increase in leverage:

If you have 1 Experience In Hamilton County with a successful exit, we may increase your leverage to 85% of the purchase + 100% of the rehab.
If you have 3 Experiences with 1 in Hamilton County, we may increase your leverage to 90% of purchase + 100% of Rehab.
Any investors with 5+ experiences in the last 3 Years and 680+ credit, automatically qualify for 90% of Purchase + 100% of rehab.

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Cincinnati Hard Money Loan process

Our lending process for Cincinnati investment properties is simple and quick. Ridge Street closes loans in as little as 7 business days.

Apply Or Get Pre-Approved Online

~ 2mins

Fill out a 2 Min Quick App with info about your Cincinnati based project. We need some preliminary information so that we can accurately evaluate your deal.

If you’re looking to be pre-approved so that you can find your next deal or you’d like to get more info from on of our team members, select an option below.

Request A Term Sheet | Get Pre-Approved | Schedule A Call

Receive Your Term Sheet

~ 2mins

Once we have your completed application, we’ll email you the term sheet and give you a call to provide confirmation.

Hard Money Loan Process Step 3 Container

Submit Docs

~ 1-3 days

Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin underwriting the loan. We have a low document program with no income statement documentation.

Appraisal or BPO

~ 2-7 days

Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days.

Hard Money Loan Process Step 5 Container

Closing

~ 1-2 days

Once we have the completed document package, we'll schedule your closing within 1-2 business days.

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Featured Cincinnati Hard Money Loan

Location

Loan Type

Loan Amount

LTV %

Rate

Points

Cincinnati Deal Summary

Ridge Street Capital financed a fix and flip in Cincinnati's Over-the-Rhine neighborhood for an investor targeting an old row home with strong resale potential. The loan covered 83% of the purchase price and 100% of the renovation costs, structured at 10.99% interest-only for 12 months with 2.0% origination points. The borrower preserved original architectural details while updating the kitchen, bathrooms, and mechanical systems. The property sold at a price that exceeded the projected ARV, reflecting the neighborhood's sustained demand for quality renovated stock in one of Ohio's most active urban investment corridors.

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Frequently Asked Hard Money Loan Questions

How do I qualify for a hard money loan in Cincinnati?

To qualify for a hard money loan in Cincinnati with Ridge Street you need:

A Credit Score of 660+
A profitable deal with at least a 10% ROI
An LLC or a Corporation Registered In Ohio

What types of properties can I finance with a hard money loan in Cincinnati?

Ridge Street finances the following property types:

Residential 1-4 Units
Multifamily 2-4 Units

What are the interest rates and terms for hard money loans in Cincinnati?

Depending on the sponsors experience and credit profile, rates range from 10.5%-11.5%. Ridge Street’s median rate for a hard money loan on a fix and flip in Cincinnati is 10.75% interest only with no pre-payment penalty.

How fast can I get a hard money loan in Cincinnati?

Ridge Street closes hard money loans in as little as 7 business days.

Are there any state-specific regulations for getting a hard money loan in Cincinnati?

Ridge Street’s hard money loans are business purpose loans. This means that we can only lend to borrowers with entities (LLC or Corp) registered in Ohio.

Can I use a hard money loan to finance a fix and flip in Cincinnati?

Absolutely. This is the main use of a hard money loan in Cincinnati.

What is the loan-to-value (LTV) ratio for a hard money loan in Cincinnati?

There are a number of ratios that Ridge Street uses to determine the Loan Amount. Put simply, for a first time investor we finance up to 80% of the Purchase + 100% of the Rehab. For an experienced investor, we finance up to 90% of the Purchase + 100% of the Rehab.

Can I use a hard money loan to finance a rental property in Cincinnati?

You can use a hard money loan to purchase and renovate a rental property. You can then refinance with a DSCR Loan (This is called the BRRRR Strategy). If the property is rent ready at purchase, there is no need for a hard money loan and you can go straight into DSCR financing.

Interested In Working With Us?

We work with real estate investors across the country every day. How can we help?

Active Deal

I have an active deal and would like a Term Sheet.

Term Sheet

Pre-Approval

I’d like to to get pre-approved so I can find my next deal.

Pre-Approval

Schedule A Call

I’d like to schedule a call.

Schedule Call

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How to Refinance a Rental Property: A Full Guide for Real Estate Investors

How to refinance a rental property: rate-and-term vs. cash-out, DSCR vs. conventional, costs, and the step-by-step process for real estate investors.

April 24, 2026

How to Refinance a Hard Money Loan and Avoid Costly Mistakes

Learn how to refinance a hard money loan — which loan replaces it, how to time the transition, and when selling is the better decision than holding.

March 25, 2026

The Best Fix and Flip Lenders of 2026: A Complete Review For Investors

A complete review of the best fix and flip lenders active in 2026 — covering loan terms, leverage, closing timelines, and how to match the right lender to your project.