Close in 10 Days. 90% LTC.
Columbus real estate investors: fast hard money financing for fix and flip projects. Up to 90% of purchase price, 100% of rehab costs. No W-2. 620+ credit. Close in 5-10 days.
Check My Columbus Rate →The stock is pre-war stock in Olde Towne East, Franklinton and the South Side, post-war ranches across the city, and large-scale new construction toward the Intel site. Pre-war rehab in Franklinton, Linden, Hilltop and the South Side. Knob-and-tube, foundation moisture and roof are standard; the market has moved fast enough that ARV comparable timing matters.
Ohio is judicial. Columbus runs at a higher basis than Cleveland or Cincinnati with sustained in-migration and a diverse employment base, and the Intel investment is driving demand northeast. Franklin County reassessment has moved the tax line materially. The city requires rental registration.
Pre-war stock in Columbus 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.
If the property is occupied, Columbus's tenant rules govern when you can take possession to start work. Build the timeline around the law, not the contract date.
Also see: Cincinnati, OH →Cleveland, OH →DSCR Loans in Columbus →Akron, OH →Dayton, OH →Toledo, OH →
Fix & Flip loans in Columbus qualify based on the deal itself — purchase price, rehab budget, after-repair value (ARV) and your flip experience — not your W-2 or tax returns. 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.
Columbus is the fastest-growing major Midwest metro — Intel's $20B+ semiconductor fab changed the economic trajectory entirely. Ohio State (60,000+ students), Nationwide Insurance, JPMorgan Chase (25,000+ employees), and a massive tech corridor drive demand. Columbus offers Midwest price points with Sunbelt growth.
We finance rentals and projects throughout the metro. The loan is underwritten on the property, its rent or after-repair value and your experience — not on the neighborhood name.
We also fund investments throughout the greater Columbus metro including Dublin, Westerville, Upper Arlington, New Albany, and Gahanna.
Illustrative examples of structures we finance — not specific funded loans. Terms depend on the borrower, property and capital source.
Accurate ARV is critical. Columbus submarkets like Short North have strong comp data. Lenders want 3-5 recent comps within a quarter mile.
Columbus rehab costs: $15-40/sq ft cosmetic, $40-75/sq ft moderate, $75-150/sq ft gut. Permits matter in Columbus — include permit timelines.
Lenders require a clear exit — sale or refi to DSCR. Market time in Columbus averages 30-60 days. Build a 6-month exit buffer.
First-time flippers can qualify. New flippers start at 80-85% LTC; experienced investors (2+ completed flips) reach 90%+.
How the numbers work: see what 90% of purchase plus 100% of rehab means in cash, or estimate your ARV in the ARV calculator.
Up to 90% LTC on purchase and 100% on rehab for qualified borrowers with flipping experience.
Typical Columbus fix and flip closings happen in 5-10 business days. Experienced borrowers can close in 5-7 days.
First-time flippers can qualify at 80-85% LTC. Experienced borrowers (2+ flips) access 90%+ LTC and lower rates.
The minimum credit score is 620. Stronger credit improves leverage and pricing.
Rehab funds via reimbursement draws — complete work, inspector verifies, lender wires funds every 2-4 weeks.
Fix and flip loans in Columbus range from $150K to $5M. Most SFR flips fall in $200K-$800K range.
Yes. All Columbus fix and flip loans allow LLC borrowing with a personal guarantee.
Most loans carry 12-18 month terms with extension options. Refinancing to DSCR is an alternative if you hold as a rental.
Knob-and-tube, foundation moisture and roof are standard; the market has moved fast enough that ARV comparable timing matters. Budget contingency for it.
It affects which capital sources are comfortable writing there and at what leverage. It does not change how you apply.
No credit pull. No commitment. Speak with a licensed financing company with direct access to 30+ capital sources.
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