Direct Fund USA

Hard Money Lender in Ohio

Private Lending · Ohio

Hard Money Lender in Ohio

Direct Fund USA is a direct hard money lender actively funding deals across Ohio. Fix & flip, ground-up construction, bridge loans, DSCR, and foreclosure bailouts — close in as little as 7–10 days with no income verification.

Apply for a Ohio Loan All States

Hard Money Loans in Ohio

Ohio is a high-cash-flow market that attracts investors from across the country. Cities like Cleveland, Columbus, Cincinnati, and Dayton offer affordable property prices with strong rental demand, making Ohio one of the best states for DSCR rental loans and fix & flip projects. Direct Fund USA has funded multiple deals in Ohio, including DSCR cash-out refinances in Columbus and Cleveland suburbs, helping investors tap equity and expand their portfolios.

As a direct lender — not a broker — Direct Fund USA makes lending decisions in-house. That means faster closings, fewer fees, and a single point of contact from application to funding. We have funded deals in Ohio ranging from fix & flip renovations to DSCR rental acquisitions and ground-up new construction.

Recently Funded in Ohio

$240,000

DSCR Cash-Out Refinance — Ohio

Markets We Serve in Ohio

ColumbusClevelandCincinnatiToledoAkronDaytonYoungstownCanton+ statewide

Lending Criteria

  • Loan amounts: $50K–$3M (hard money) · $75K–$3M (DSCR)
  • No minimum credit score on most hard money programs (660 for DSCR)
  • No income verification — asset-based lending
  • Foreign nationals welcome
  • Only upfront fee is the appraisal ($650–$950)
  • Close in 7–10 days (hard money) or 2–3 weeks (DSCR)

Loan Programs Available in Ohio

Fix & Flip

Up to 90% LTC · 12–18 month terms · Rates from 9.5% IO

Ground-Up Construction

Up to 75% LTC · Draw schedule · SFR & small multifamily

Bridge Loans

Up to 75% LTV · 6–24 month terms · Fast closings

DSCR Purchase & Refi

$75K–$3M · 30-yr fixed · No income verification

Bank Statement Loans

Up to $3.5M · 90% LTV · Self-employed friendly

Foreclosure Bailout

Emergency closings · All property conditions

See full program details

Fund Your Next Ohio Deal

Submit your loan request and get a same-day response. We lend throughout Ohioand close in as little as 7–10 days.

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