What is a good DSCR ratio?

Most lenders want a DSCR of at least 1.0, meaning the property's income covers the debt payments. A DSCR of 1.25+ gets you better rates and terms.

Can I get a DSCR loan with no money down?

No. DSCR loans typically require 20-25% down. Some lenders may accept cross-collateralization to reduce cash needed.

Do DSCR loans show on my credit report?

It depends on the lender. Some report to credit bureaus, others don't. Ask your lender before closing.

Can I use a DSCR loan for a short-term rental?

Yes. Many DSCR lenders accept Airbnb/VRBO income. They typically use projected rental income from platforms like AirDNA or actual booking history.

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DSCR Loans in Cincinnati, OH

Find lenders offering dscr loans in the Cincinnati, including Mason, Covington, Hamilton, and surrounding areas. Compare rates, terms, and programs from 42 lenders.

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Lenders

Typical Rate

7.0% - 9.5%

Down Payment

20-25%

Term

30 years

Closing Time

2-4 weeks

DSCR Lenders Serving Cincinnati

42 lenders offering dscr loans in the Cincinnati, OH area.

CrossCountry Mortgage

Local

Cleveland, OH

Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.

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A&D Mortgage

Fort Lauderdale, FL

Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.

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Angel Oak Mortgage Solutions

Atlanta, GA

Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.

$100K – $2M

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Civic Financial Services

Redondo Beach, CA

Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.

$100K – $5M

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CoreVest Finance

Irvine, CA

Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.

$200K – $50M

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Defy Mortgage

DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.

$100K – $3M

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Easy Street Capital

Austin, TX

Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.

$75K – $5M

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Griffin Funding

Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.

$100K – $5M

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JMAC Lending

DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.

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Kiavi

San Francisco, CA

Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.

$100K – $3M

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Lending One

Boca Raton, FL

National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.

$75K – $5M

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Lima One Capital

Greenville, SC

Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.

$75K – $5M

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New Silver Lending

Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.

$100K – $5M

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North American Savings Bank

Kansas City, MO

Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.

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RCN Capital

South Windsor, CT

Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.

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Cincinnati Commercial Real Estate Market

Cincinnati's CRE market benefits from a diversified Fortune 500 base that includes Procter & Gamble, Kroger, Fifth Third Bancorp, and Western & Southern Financial Group, all headquartered in or near the downtown CBD. The Banks development along the Ohio River between Great American Ball Park and Paycor Stadium has become the city's signature mixed-use waterfront district, while Over-the-Rhine (OTR) has transformed from a distressed neighborhood into one of the most celebrated adaptive reuse and urban revitalization stories in the Midwest. The I-75 corridor north through Mason and West Chester captures significant suburban office and industrial demand, anchored by GE Aviation's operations and a cluster of insurance and financial services firms. The Northern Kentucky communities of Covington and Newport, while across the state line, function as integral parts of the Cincinnati CRE market with their own distinct development momentum.

Key Economic Drivers

●Procter & Gamble and Kroger headquarters anchoring downtown Class A office and R&D demand
●GE Aviation (now GE Aerospace) operations in Evendale driving advanced manufacturing and engineering office absorption
●UC Health and TriHealth hospital systems generating medical office and ambulatory care facility demand across the metro
●Over-the-Rhine historic district adaptive reuse creating a model urban submarket for retail, hospitality, and residential

Market Insight

Cincinnati's Over-the-Rhine neighborhood has attracted over $1.5 billion in private investment since 2003, transforming one of the largest intact collections of Italianate architecture in the U.S. into a thriving commercial district and demonstrating the viability of historic tax credit-driven CRE investment in Ohio.