© WHERE WE LEND CINCINNATI · OH
HARD MONEY LENDER CINCINNATI
Direct private capital for Cincinnati investors, underwritten on the property and funded from San Diego.
CALL OR TEXT US (619) 617-2797
- GOOGLE RATING 150+ REVIEWS
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- VETERAN OWNED Company NMLS 1416824 · Branch NMLS 2554618
Cincinnati is built on hillsides above the Ohio River, and the Italianate building stock in Over-the-Rhine is unusual enough to have pulled restoration capital for two decades. Walnut Hills and Northside carry the next wave, Clifton holds university demand, Hyde Park keeps the premium, and plenty of Hamilton County neighborhoods still work for rehab math.
Cincinnati is one of the Ohio markets Loan Goat lends in year round. Hamilton County files and deals in Covington, Dayton and Columbus are underwritten identically, on value, exit and the plan for the property.
The whole point of a private lender is that the deal decides the answer. On Cincinnati property that means value, exit and plan, reviewed by the same desk that releases the funds. Veteran-owned, in business since 2022, 1.3K+ loans closed.
© THE COST CINCINNATI · OH
WHAT DO CINCINNATI HARD MONEY LOANS COST
Cost on a Cincinnati file is a function of the deal, not the market. Bridge opens at 9.00%. Residential runs to 75% LTV and commercial to 70%, on one or two year terms, and a clean file closes in 3 to 14 days.
The written quote comes before the appraisal, and it holds. For a Cincinnati deal on a clock, that is the difference between a real number and an indication. Prepay is free on the bridge programs, which matters when the plan is to be out inside a year.
| PROGRAM | RATES | LEVERAGE UP TO | TERMS | LOAN AMOUNTS |
|---|---|---|---|---|
| BRIDGE LOAN | 9.00% to 13.00% | LTV 75% | 1 or 2 years | $150,000 to $25,000,000 |
| FIX & FLIP | 9.99% to 12.00% | LTV 85% of purchase, LTC 100% of rehab | 6 to 18 months | $250,000 to $10,000,000 |
| RENTAL DSCR | 6.50% to 9.99% Non-QM | LTV 80% | 5, 7, 30 and 40 year fixed | Sized to the property |
Starting rates for qualified borrowers, from the published terms cards. Points and fees are quoted on the Letter of Intent. Rates are subject to change without notice and are not a commitment to lend.
Those numbers are the ceiling and the floor. A Cincinnati deal gets priced inside them once the property and the exit are on the table, usually the same day the file is opened.
© WHY LOAN GOAT CINCINNATI · OH
WHY LOAN GOAT IN CINCINNATI
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- GOOGLE RATING
- REVIEWS
Certainty is the product. A Cincinnati borrower gets written terms, in-house capital and one person who can say yes. Nothing is sold to a warehouse line mid-process and nothing is re-priced at the closing table, which is why the review record reads 5.0 across 150+ reviews.
Italianate brick multifamily with tall windows and ornate cornices, frame houses stacked up the hill neighborhoods, brick four-family buildings, and warehouse space in the basin near downtown. None of that is unusual here; it is the normal book.
Historic rehab in and around Over-the-Rhine is the signature trade, two to four unit cash-flow holds carry portfolios, student rentals near the University of Cincinnati stay full, and mixed-use corners suit commercial buyers. Bridge covers the acquisition, fix and flip covers the work and the rental program takes it out.
THE PROCESS
- Complete your application
- Submit required documentation
- Sign your Letter of Intent
- We process and close your loan in 5-7 days
CINCINNATI DEALS, FUNDED FROM SAN DIEGO.
Hamilton County files run on the same terms as the home markets: written quote first, appraisal once terms are agreed, wire in five to seven days. 1.3K+ closed loans since 2022 and $1.5B+ funded across 46 states.
© LOAN SCENARIOS CINCINNATI · OH
MOST COMMON CINCINNATI LOAN SCENARIOS
- 1031 EXCHANGE Bridge money that lets a Cincinnati replacement property close inside the 45 and 180 day windows.
- AUCTION & HUBZU Cincinnati auction buys where the deposit is up and the clock is already running.
- BANKRUPTCY BUYOUT Buying out a partner or a plan on Cincinnati real estate, funded on the equity in the asset.
- BANK STATEMENT LOANS Deposits instead of tax returns for self-employed buyers working Hamilton County.
- FORECLOSURE AUCTION Courthouse and trustee sale purchases in Hamilton County, funded on the asset and the plan.
- FOREIGN NATIONAL Foreign national buyers acquiring Cincinnati investment property without a US credit file.
- NON-WARRANTABLE CONDOS Non-warrantable Hamilton County condo units where the HOA or the investor concentration killed the conventional loan.
- SELF-EMPLOYED Business owners buying in Cincinnati whose write-offs make a bank file impossible.
- VACATION RENTAL Cincinnati vacation rental purchases where the projected income does the work.
- CASH OFFERS ONLY Sellers in Cincinnati who will only look at cash get a proof of funds that holds up.
© LOAN PROGRAMS NINE WAYS TO CLOSE
LOAN PROGRAMS AVAILABLE IN CINCINNATI
- BRIDGE LOANS Acquire, recapitalize or stabilize with short-term capital that closes in days, not months. FROM 9.00% · LTV 75% · 1-2 YR
- FIX & FLIP LOANS Buy, renovate and sell or hold, with the rehab funded through draws and no prepayment penalty. FROM 9.99% · LTV 85% · 6-18 MO
- CONSTRUCTION LOANS Ground-up financing with flexible draws through every stage of the build. LTC 80% · 12-18 MO
- RENTAL PROPERTY LOANS Long-term DSCR, portfolio and multifamily term loans that qualify on the property's cash flow. FROM 6.50% · LTV 80% · 30 YR
- COMMERCIAL LOANS Hybrid-term financing for multifamily, mixed-use, retail, office and industrial in major metros. FROM 7.90% · LTV 70% · 1-15 YR
- OWNER OCCUPIED LOANS Short-term bridge financing on the home you live in, with a refinance into a conventional or jumbo loan as the exit. FROM 10.50% · LTV 70% · 11-12 MO
- BANK FINANCING Bank statement, P&L-only and SBA programs for business owners outside the standard mortgage box. TERMS 5 TO 30 YR
- SECOND & THIRD MORTGAGES Second and third lien position loans behind an existing first mortgage. 12-36 MO · BUSINESS PURPOSE
- BLANKET / CROSS-COLLATERAL LOANS One loan across several properties, cross-collateralized when a single asset will not carry the deal. FROM 8.99% · 1-3 YR
© PROPERTY TYPES CINCINNATI · OH
PROPERTY TYPES WE FINANCE IN CINCINNATI
- MULTI-FAMILY Two to four unit buildings and small apartment stock in Hamilton County, purchase or cash-out.
- MIXED-USE Retail-over-residential buildings in Cincinnati commercial corridors, up to 70% LTV.
- RETAIL Strip centers and free-standing retail in Hamilton County with a repositioning plan.
- OFFICE Cincinnati office assets being repositioned or bridged to a conventional exit.
- SELF-STORAGE Cincinnati storage facilities, stabilized or in lease-up.
- LAND Entitled and unentitled parcels around Cincinnati on the land program.
© THE APPROACH CINCINNATI · OH
HOW WE LEND IN CINCINNATI
Read the table as a promise rather than a pitch. On a Cincinnati deal it means the leverage quoted is the leverage funded, the timeline quoted is the timeline delivered, and the person who priced the file is the person who releases the money.
© GOOGLE REVIEWS 5.0 GOOGLE RATING · 150+ REVIEWS
CINCINNATI BORROWERS, IN THEIR WORDS
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This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA -
This team is equipped with professional, knowledgeable, patient, friendly, and responsive members! We were able to purchase our first investment property with the help and guidance of Milad and his team. They answered our questions...
GABI JUACHE -
Milad is the best in the game! My deal would not have happened without him. He performed at a 10 and was more hands on than I could ever ask for. Definitely recommend!
ASHLEY ANDREOTTI -
This is my first experience dealing with Milad Shamoun & Blair Noble at Loan Goat. Very professional, accommodating and focused on obtaining results. Over my years I have dealt with various types of Intuitional and Private Lenders. Loan Goat stacks up with the best.
RAYMOND HERRERA
© QUESTIONS CINCINNATI · OH
CINCINNATI HARD MONEY LOANS, ANSWERED
Straight answers to what borrowers ask before they call. Questions we answer elsewhere link to the page that owns them.
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Yes. Loan Goat funds investment property in Cincinnati and across Hamilton County on every program listed on this site: bridge, fix and flip, construction, rental property, commercial, owner occupied, bank financing, second and third mortgages and blanket loans. The desk is in San Diego, the capital is in house, and Cincinnati files are underwritten on the property rather than on where the borrower banks.
Request a quote -
Five to seven days is standard and low-doc bridge files have funded in as little as three. The timeline on a Cincinnati deal is usually set by title and escrow rather than by underwriting, because the credit decision is made in house by one person. Open title early and the wire follows the written terms.
How it works -
Non-owner-occupied residential from single-family up to four units, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land across Hamilton County. Owner-occupied has its own program. If the Cincinnati asset produces or will produce value, there is usually a structure for it.
Property types -
Yes, vacant shells included. Loan Goat funds bridge and rehab loans on historic Italianate buildings in Over-the-Rhine and other Cincinnati neighborhoods across Hamilton County, the kind conventional lenders will not consider. Approval rests on the property, the scope and the exit, funding moves in five to seven days, and no prepayment penalty applies.
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Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.
Property types -
The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.
Request a quote -
No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.
All loan programs -
Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.
How funding works
© WHERE WE LEND CINCINNATI · OH
CINCINNATI, ROUTED FROM SAN DIEGO HQ.
- CLOSED LOANS SINCE 2022
- LOANS FUNDED ACROSS 46 STATES
- Lending footprint, 46 states
- Home markets: California and Arizona
- San Diego headquarters
© GET A QUOTE CINCINNATI · OH
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(619) 617-2797
