Ground-up construction loans for builders and investors developing new properties in Ohio. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Ohio is one of the strongest cash-flow rental markets in the country. Affordable acquisition basis relative to gross rents drives real cash-on-cash yields across Columbus, Cleveland, Cincinnati, and Dayton. Predictable eviction timelines keep holds projectable.
Columbus, Cleveland, Cincinnati, and Dayton all offer entry price-points well below coastal metros. That gap is where real cash-on-cash yields live for buy-and-hold investors.
Intel's multi-billion-dollar semiconductor investment in Licking County is anchoring long-term employment growth around Columbus. Rental demand in the metro and its northeast suburbs has strengthened accordingly.
Ohio's eviction process is straightforward and timelines run predictably. That matters when you're modeling cash flow on a rental hold across multiple properties.
Whether you're closing a single-asset SFR in a smaller Ohio market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Franklin County — New Albany, Pataskala, Dublin, Westerville (Intel corridor)
Cuyahoga County — Lakewood, Parma, Cleveland Heights, Shaker Heights
Hamilton County — plus Northern Kentucky adjacencies
Montgomery County — Wright-Patterson demand
Summit County — SFR + small-multi
Lucas County — high-yield Midwest cash-flow
Mahoning + Stark counties — yield-heavy secondary markets
Statewide coverage — send us any Ohio property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Ohio. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Ohio — Columbus, Cleveland, Cincinnati, Dayton, Akron, and every other OH metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Ohio. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Ohio is one of the strongest cash-flow rental markets in the country. Affordable acquisition basis relative to gross rents drives real cash-on-cash yields across Columbus, Cleveland, Cincinnati, and Dayton. Predictable eviction timelines keep holds projectable.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Ohio investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Ohio metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.