FIX & FLIP LOANS · Ohio (OH) Underwriting Matrix

Ohio Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Ohio Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 Business Days close). In Ohio (OH), lenders underwrite to a Judicial (County Court of Common Pleas) statutory framework (160–220 days-day average timeline), a 1.48% average property tax rate (~$315/mo at the $255,000 state median), and $490/$100K hazard insurance (~$104/mo).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

OH Security Instrument

Judicial (County Court of Common Pleas)

160–220 days days avg timeline

OH Avg Tax & Ins

1.48% Tax

$490/$100K Hazard Ins

How Fix & Flip Loans Work in Ohio (OH)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

1. Ohio Median Benchmark

Median 1–4 unit price of $255,000 (75% LTV = $191,250) with Form 1007 rent of $2,080/mo and multifamily rent of $1,260/door.

2. Escrow & Title Underwriting

Ohio operates under a Judicial (County Court of Common Pleas) regime (160–220 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (7 – 10 Business Days)

Close in your Ohio LLC or Delaware LLC registered in OH with zero personal tax returns, W-2s, or 4506-C transcripts.

Ohio County-Level Property Tax & Insurance Hubs (5)

Franklin County, OH

Franklin County, OH · 1.62% Tax · $520/$100K Ins

Cuyahoga County, OH

Cuyahoga County, OH · 2.12% Tax · $540/$100K Ins

Hamilton County, OH

Hamilton County, OH · 1.68% Tax · $530/$100K Ins

Summit County, OH

Summit County, OH · 1.79% Tax · $525/$100K Ins

Montgomery County, OH

Montgomery County, OH · 1.82% Tax · $525/$100K Ins

Explore Other Programs in Ohio

Ohio DSCR Loans (Up to 80% LTV Purchase / 75% Cash-Out)Ohio Hard Money Loans (Up to 85%–90% LTC / 75% ARV)Ohio Private Money Loans (Up to 80% LTV / 85% LTC)Ohio Bridge Loans (Up to 80% LTV Acquisition / 75% Bridge Cash-Out)Ohio Ground-Up Construction (Up to 85% LTC / 70%–75% Completed ARV)Ohio Multifamily (5+ Units) (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out)Ohio Commercial Property (Up to 75% LTV)Ohio Rehab & BRRRR Loans (Up to 85%–90% LTC + 100% Rehab Escrowed)Ohio Cash-Out Refinance (Up to 75% LTV Cash-Out (Select 80% LTV Tiers))