Long-term rental financing for investment properties across Ohio — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Ohio metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
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.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Ohio properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Ohio — Columbus, Cleveland, Cincinnati, Dayton, Akron, and every other OH metro. Rates from 5.75%, up to 80% LTV.
Ohio DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Ohio metro. High-volume markets: Columbus, Cleveland, Cincinnati, Dayton, Akron. Secondary markets welcome.
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.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Ohio DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Ohio metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Ohio builders. 85% land + 85% build. $100K–$7.5M.