Explore DSCR loans Ohio investors rely on. Finance or refinance rental and commercial properties with no income verification and flexible terms.
At REIF Loans, we help real estate investors across Ohio grow their portfolios with DSCR loans Ohio programs that qualify based on rental income, not personal income. Whether you’re purchasing a rental in Cleveland, refinancing a duplex in Columbus, or expanding into multifamily properties in Cincinnati, our process is designed to make financing simple, fast, and investor-friendly.
Our investor mortgage Ohio programs emphasize transparency, flexibility, and results. We offer quick closings, no tax return requirements, and loan options built to match your investment goals.
A Debt Service Coverage Ratio (DSCR) loan is a real estate financing option that qualifies investors based on property cash flow rather than personal or W-2 income. It’s the preferred choice for investors who want to expand without traditional lending barriers.
DSCR Formula:
DSCR = Monthly Gross Rental Income / Monthly PITIA
Example:
If your Ohio rental property earns $3,800 per month and your combined principle, interest, taxes, insurance, and association fees is $3,040, your DSCR is 1.25, meaning your property earns 25 percent more income than it owes.
Most DSCR lenders in Ohio require a ratio of at least 1.00, while a DSCR of 1.20 or higher qualifies for better rates and loan terms.
DSCR loans Ohio programs make it easier for investors to qualify since lenders evaluate property income rather than employment or tax returns.
Our experienced team works with trusted DSCR lenders Ohio investors rely on for clear communication and quick closings.
At REIF Loans, we provide a full range of DSCR loans Ohio programs tailored for investors of all experience levels and property types.
Use rental income to qualify for your next property purchase. Ideal for expanding portfolios across Columbus, Cleveland, and Toledo.
Lower your rate, pull out equity, or refinance your current property to boost cash flow and reinvest in new opportunities.
Qualify using Airbnb or VRBO income. Perfect for short-term rental markets in Lake Erie, Hocking Hills, and Cincinnati.
Our commercial DSCR Ohio programs provide flexible financing for multifamily, retail, or mixed-use investment properties.
DSCR loans simplify the financing process by qualifying you based on property performance rather than personal financials.
Our rental property loans Ohio specialists help you find the best programs and lenders to maximize your portfolio’s performance.
Ohio offers a variety of strong investment markets, from affordable housing in the Midwest to thriving metropolitan rental demand. With balanced pricing and strong returns, it’s a top destination for DSCR financing.
Each market offers excellent opportunities for investors using DSCR loans Ohio to build wealth through real estate.
Most lenders require a DSCR of 1.00 or higher, with 1.20+ offering the best rates.
Yes. Most Ohio DSCR lenders allow ownership under an LLC or individual name.
No. DSCR loans are based entirely on the rental income your property produces.
Yes. Verified Airbnb and VRBO income can be used for qualification.
Most lenders require 3–6 months of PITI reserves for loan approval.
At REIF Loans, we specialize in DSCR loans Ohio programs that help investors grow and manage real estate portfolios with confidence. Whether you’re refinancing, purchasing, or expanding your holdings, we deliver fast approvals, clear communication, and expert investor guidance.
Start financing your next Ohio investment property today with REIF Loans.
