Hard Money Loans in Cincinnati, Ohio

Hard Money Loans in Cincinnati, Ohio

Fix-and-flip and rental loans across the Greater Cincinnati Metro. Pre-qualify in 60 seconds. Built by operators who’ve closed 2,000+ deals.

Cincinnati skyline
Funded in 8 days $205K → $280K ARV
Cincinnati flip 90% purchase + 100% rehab
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THE CINCINNATI MARKET

What we see on the ground.

Cincinnati is one of our fastest-growing markets.

Our operating team at Rapid Fire Home Buyers has closed more than 100 deals across Greater Cincinnati and Northern Kentucky in the past 12 months, and we’re underwriting new projects here every week as we scale our presence in the metro.

Cincinnati offers a deep inventory of renovation opportunity, from entry-level flip and rental properties on the west side: Westwood, Price Hill, and Cheviot, to higher-value projects in established neighborhoods like Norwood and Oakley. The city’s dense, established housing stock is exactly the kind of inventory our fix-and-flip program is built for.

Average rehab budgets we underwrite in Hamilton County typically range from $30,000-$50,000, with after-repair values commonly falling between $210,000-$290,000 depending on the neighborhood and scope of work. Properly renovated single-family homes generally sell within 30-45 days based on current market conditions.

where we lend

Neighboring cities we lend in.

Greater Cincinnati means Ohio and Northern Kentucky. We fund deals in the cities below. Don’t see your city? Ask us.

★ Cincinnati
Hamilton County · Primary Location
Hamilton
Butler County · ~30 min north
Fairfield
Butler County · ~25 min north
Middletown
Butler County · ~45 min north
Covington
Kenton County, KY · ~10 min south
Newport
Campbell County, KY · ~10 min southeast
Florence
Boone County, KY · ~25 min southwest

A Real Cincinnati Deal We funded.

A real deal with the purchase and renovation funded by Evergreen Capital. The borrower flipped it and sold on the market for a healthy profit. This is the deal profile Evergreen is built to fund. Local capital for local operators, structured to move at the speed a flip actually needs.

Purchase
$205,000
Rehab
$15,000
ARV
$280,000
Funded In
8 days
Purchase
$205,000
Rehab
$15,000
ARV
$280,000
Funded In
8 Days

HOW WE LEND

Same program. Same rate. Anywhere we lend.

Size your Cincinnati deal against our published terms in about a minute.

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Fund terms

Rate: 13% annualized interest

Leverage: Up to 90% of purchase + 100% of construction cost, capped at 75% of after-repair value

Appraisal: Required as part of the loan process

Prepay: No prepayment penalty

Origination Fee: 2 points

✔
What we lend on in Cincinnati

✓ Single-family properties, 2 to 4 units, townhouses, and condos

✓ First lien position only

✓ Borrower is pre-qualified before we evaluate a specific property

✕ Property cannot be in a flood plain

✕ Investment property only, no owner-occupied

Review borrower loan terms and eligibility for Cincinnati

Get pre-qualified for Cincinnati hard money financing

CINCINNATI FAQ

Questions Cincinnati borrowers ask.

Yes. We lend across the Greater Cincinnati metro on both sides of the river. Ohio side covers west-side neighborhoods like Westwood, Price Hill, and Cheviot, plus Norwood, Oakley, and Butler County cities including Hamilton, Fairfield, and Middletown. Northern Kentucky covers Covington, Newport, and Florence. Don’t see your city? Ask us.

Single-family fix-and-flips are our bread and butter, and we also fund 2-4 unit residential projects. We lend on properties with a clear path to resale or refinance, up to 75% of the after-repair value, always in first position. We stay out of flood zones, homes with major foundation issues, and luxury price points. If it’s a standard residential flip in a Cincinnati neighborhood we know, it’s in our wheelhouse.

Faster than a bank, by design. We underwrite locally and make the lending decision in-house with people who know these markets. An appraisal is required, and we coordinate it as part of the process so the file keeps moving. Once your application and project details are in, we move to terms and then to closing. Your timeline comes down mostly to a clean title and getting your documents back to us, so the more complete your file, the faster we fund. As quickly as days.

Yes. An appraisal is required on every loan. We order and coordinate it as part of underwriting so you are not chasing the scheduling yourself. Local underwriting still keeps the file moving faster than a traditional bank process.

Yes. Evergreen funds the purchase and rehab. Long-term refinance is outside our product. We can connect you with a local bank or credit union referral for that step.

Need terms for a Cincinnati fix-and-flip or BRRRR deal? Review borrower requirements and pre-qualify in 60 seconds