DSCR Loans in Columbus, OH
Find lenders offering dscr loans in the Columbus, including Dublin, Westerville, Grove City, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
Which DSCR lenders serve Columbus?
42 lenders offering dscr loans in the Columbus, OH area.
CrossCountry Mortgage
LocalCleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
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.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
Defy Mortgage
FL
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.
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.
Griffin Funding
CA
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.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
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.
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.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
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.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
What does the Columbus commercial real estate market look like?
Columbus is one of the fastest-growing major metros in the Midwest, consistently adding population and employment at rates exceeding Ohio's other large cities, driven by a diversified economy anchored by Ohio State University, state government, and a booming logistics sector. The Short North Arts District and German Village neighborhoods adjacent to downtown command premium rents for retail and mixed-use properties, while the Rickenbacker Inland Port area in the south metro has become one of the top distribution and logistics hubs in the eastern United States. Intel's $20 billion semiconductor fabrication complex in nearby New Albany is the single largest private-sector investment in Ohio history, expected to transform the northeast suburban submarket. The Arena District and Franklinton neighborhoods represent active redevelopment zones where former industrial land is being converted to office, residential, and entertainment uses.
Key Economic Drivers
- ●Intel's $20 billion semiconductor fab complex in New Albany catalyzing industrial and workforce housing demand
- ●Ohio State University, the state's largest employer, driving research commercialization and campus-area CRE absorption
- ●Rickenbacker Inland Port and logistics hub attracting Amazon, FedEx, and e-commerce fulfillment demand
- ●Nationwide Insurance, Cardinal Health, and L Brands headquarters sustaining downtown and suburban office markets
Market Insight
Columbus's Rickenbacker Inland Port has been designated a Foreign Trade Zone and offers direct rail connections via Norfolk Southern and CSX, making it one of the most efficient intermodal logistics locations in the eastern U.S. and driving industrial vacancy rates well below the national average.
How do dscr loans work in Columbus, Ohio?
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Columbus metro area, borrowers can access 42 lenders offering DSCR financing, including Dublin, Westerville, Grove City, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who should consider dscr loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
What are the key requirements?
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Columbus FAQ
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