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DSCR Rental Loans · Ohio

DSCR rental loans in Ohio — qualify on the rent.

Mortava DSCR loans in Ohio: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Ohio is a cash-flow and BRRRR favorite — Columbus growth plus Cleveland and Cincinnati yields. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Columbus, Cleveland, Cincinnati and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Ohio term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Ohio rentals with Mortava

DSCR loans let Ohio investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Columbus, Cleveland, Cincinnati.

Columbus is growing, Cleveland and Cincinnati are yielding, and all three feed the classic BRRRR loop: acquire low, rehab, rent, then refinance into long-term debt. Ohio remains one of the most complete cash-flow states in the country.

Top metros we lend in
Columbus, Cleveland, Cincinnati
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

BRRRR in Ohio

Markets like Columbus and Cleveland are natural BRRRR territory: buy below market, renovate, rent, then refinance into a long-term DSCR loan at the new value. The DSCR cash-out refi (up to 80% CLTV) is the "refinance" step — our BRRRR method guide walks through the full cycle.

Guidelines reviewed July 2026 by the Mortava lending team.

Ohio DSCR loan FAQ

Can I get a DSCR loan in Ohio?
Yes. Mortava lends on investment properties across Ohio, including Columbus, Cleveland, Cincinnati. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Ohio without W-2s or DTI.
What credit score do I need for a Ohio DSCR loan?
Most Ohio DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Ohio DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Ohio.
Do you lend on rentals in Columbus and Cleveland?
Yes — Mortava lends across Columbus, Cleveland, Cincinnati and every other Ohio market. DSCR loans are sized on each property's rent, so a Columbus duplex and a small-town single-family are underwritten the same way.
Can an out-of-state investor buy a Ohio rental with a DSCR loan?
Yes. Qualification is based on the property's rent in markets like Columbus — not your personal income or where you live — so out-of-state investors close Ohio DSCR loans routinely.
DSCR rental loans by state
DSCR in New HampshireDSCR in New JerseyDSCR in New MexicoDSCR in New YorkDSCR in North CarolinaDSCR in North DakotaDSCR in OklahomaDSCR in OregonDSCR in PennsylvaniaDSCR in Rhode IslandDSCR in South CarolinaDSCR in South Dakota
All DSCR programs → Fix & Flip loans in Ohio → Instant quote & pre-qualify →
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