No W-2. No Tax Returns.
Cincinnati real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Cincinnati Rate →DSCR rental loans in Cincinnati qualify based on the property's rental income, not your W-2 or tax returns. Min credit 660 (640 with compensators), max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Cincinnati combines low entry prices ($215K median) with strong yields (9%+) and steady appreciation. Procter & Gamble HQ and a stable employment base drive consistent rental demand across submarkets.
Gentrifying urban submarket with strong rent growth
Premium rental market with stable long-term tenants
Active investor submarket with consistent cash flow
Affordable BRRRR market with appreciating rents
Premium urban submarket with strong rental demand
We also fund investments throughout the greater Cincinnati metro including Blue Ash, Mason, West Chester, and Northern Kentucky (Covington, Newport).
Borrower names and exact addresses anonymized for privacy. Rates and terms reflect actual closed deals through LendingStreet's network of 30+ capital sources.
Yes. DSCR loans qualify based on the Cincinnati rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Cincinnati DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Cincinnati rental yields average 9.1% making this achievable in most submarkets.
Yes. LendingStreet DSCR loans in Cincinnati allow borrowing in an LLC with a personal guarantee.
Cincinnati DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Cincinnati areas have STR restrictions — verify local rules.
Standard DSCR loans in Cincinnati go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Cincinnati rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Ohio investor market.
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