90% LTC. 100% Rehab. 7-Day Close.
Cincinnati is one of the most active fix and flip markets in the United States. Institutional capital deployed substantial volume here in 2025. LendingStreet brings the same caliber of capital to independent Cincinnati flippers — without forcing you into a single-source lender's box.
Check My Cincinnati Rate →Fix & Flip loans in Cincinnati finance both your acquisition and your rehab budget. Up to 90% LTC + 100% rehab financing, 6-18 month terms, close in 5-10 days, interest-only during rehab.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Cincinnati is the #9 institutional fix-and-flip city in the United States — the second Ohio city in the top 10 (alongside Columbus). Cincinnati offers some of the most affordable entry prices in the top-10 flip cities combined with strong neighborhood-by-neighborhood revitalization.
Cincinnati flips work because of distinctive neighborhood architecture (Italianate row homes, Tudor revival, foursquare classics) that command premium in renovated condition. OTR (Over-The-Rhine), Northside, Walnut Hills, and Hyde Park each have unique flip economies with their own buyer profiles.
Median home price: $215K · Avg flip ROI: 33% · Days on market: 30-50 · Investor activity: Moderate to High · 2025 institutional flip loan volume in metro: #9 institutional flip market, 191 funded loans
Italianate row home district. Premium gentrification. Median $345K.
Active revitalization. Median $245K. Strong ROI on full rehabs.
Established premium. Median $475K+. Slower but reliable.
Sustained gentrification. Median $285K.
Earlier gentrification. Median $185K.
Median $145K. Better as BRRRR than flip.
Cincinnati Italianate row homes require specialty contractors. Engage Cincinnati-specific contractor network.
Cincinnati permitting runs 2-4 weeks for typical scopes. More predictable than larger metros.
OH property tax 1.36%. Moderate carrying costs.
Cincinnati rental yields are strong (8-10% in selected submarkets). BRRRR exit highly viable.
The stock is dense pre-war stock — Italianate rowhouses in Over-the-Rhine, frame doubles across the West Side — at a basis that remains low outside the revitalized core. Frame-double and rowhouse rehab in Price Hill, Westwood, Walnut Hills and Northside. Knob-and-tube, slate roofs and hillside drainage are the standard scope.
Ohio is judicial. The metro spans the Ohio River into Kentucky — Covington and Newport are Kentucky properties, also judicial but with different tax structure. Cincinnati runs at a low basis with intact pre-war stock, so renovation frequently approaches or exceeds purchase on West Side and Walnut Hills deals. Historic-district rules apply in Over-the-Rhine.
Pre-war stock in Cincinnati means the scope is rarely what the walkthrough suggests. Budget the mechanicals before the finishes and expect the inspector to find what the seller did not disclose.
Where renovation exceeds purchase, the loan sizes on total project cost and ARV. Many national lenders cap rehab near half of purchase and decline on that alone — it is the single most common Cincinnati deal we finance.
Also see: Cleveland, OH →Columbus, OH →DSCR Loans in Cincinnati →Akron, OH →Dayton, OH →Toledo, OH →
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Yes. Sized on total cost and ARV. Lenders capping rehab at half of purchase are why it gets declined elsewhere.
Knob-and-tube, slate roofs and hillside drainage are the standard scope. Budget contingency for it.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
Yes. Sized on total cost and ARV. Lenders capping rehab at half of purchase are why it gets declined elsewhere.
The gap between the loan and total project cost, plus points, third-party costs and the rehab you carry between draws. The ARV calculator returns it for your numbers.
Renovation funds sit in a holdback. You complete a phase, request a draw, an inspector confirms, funds release — typically within a few days. You fund the work between draws.
Speak with a financing specialist who knows the Cincinnati flip market. Pre-qual in 24 hours. Close in 5-10 days.
Check My Eligibility →2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.