All Programs and Guides on Investor Loans Ohio
Every guide on this site, one screen. Program pages carry the mechanics; city pages carry the local numbers and permit rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: no homestead-only cap in Ohio; BRRRR seasoning timelines.
- Short-term rental loans: Airbnb/VRBO financing with honest income-documentation lanes.
- LLC + series LLC lending: close in the entity; due-on-sale rules for later transfers.
- Portfolio + 2–4 unit + foreign national: the 10-loan conventional cap and what is past it.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
City guides
- Cleveland: the cash-flow leader, ~12.4% yields, Cuyahoga's top tax.
- Columbus: appreciation and build-to-rent, institutional competition.
- Cincinnati: steady, diversified, three-year STR registration.
Ohio reference
- STR permit rules by city: the three-city status table, verified 2026.
- Rental property taxes: the 1.36% statewide average, Cuyahoga's 2.08% top rate, and the Board of Revision window.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City short-term-rental rules and tax figures change; confirm current requirements with the city, your CPA, or an Ohio real estate attorney before you buy. Loans are subject to buyer and property qualification.