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Fix & Flip · Ohio

Fix & flip loans in Ohio — fund the deal, keep your cash.

Mortava fix & flip loans in Ohio: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Ohio is a cash-flow and BRRRR favorite — Columbus growth plus Cleveland and Cincinnati yields. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Columbus, Cleveland, Cincinnati and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Ohio project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Ohio projects with Mortava

In a market like Ohio, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Columbus, Cleveland, Cincinnati deals and recycle capital into the next project faster.

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 fund
Columbus, Cleveland, Cincinnati
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Ohio

The same leverage that funds a Ohio flip funds the "buy and rehab" half of BRRRR. Renovate in Columbus or Cleveland, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Ohio fix & flip loan FAQ

Can I get a fix and flip loan in Ohio?
Yes. Mortava funds fix & flip projects across Ohio, including Columbus, Cleveland, Cincinnati. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Ohio flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Ohio.
Do you fund first-time flippers in Ohio?
Yes — first-time flippers are welcome in Ohio with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Columbus and Cleveland?
Yes — Columbus, Cleveland, Cincinnati and every other Ohio market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Ohio property instead of selling it?
Yes. Many Ohio investors renovate with a Mortava flip loan in markets like Columbus, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in New HampshireFlip in New JerseyFlip in New MexicoFlip in New YorkFlip in North CarolinaFlip in North DakotaFlip in OklahomaFlip in OregonFlip in PennsylvaniaFlip in Rhode IslandFlip in South CarolinaFlip in South Dakota
All Fix & Flip programs → DSCR loans in Ohio → Instant quote & pre-qualify →
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