Every rental portfolio in Columbus OH is different, so our loans are structured around your specific investment goals – whether you’re trying to stabilize, pull cash out, or grow your rental empire. We do things differently than traditional banks, focusing on rental income, cash flow and the property’s net operating income, rather than just plugging in a rigid income formula. This gives real estate investors the flexible financing they need to match their real-world investing strategies.

How DSCR Loans Are Underwritten

Portfolio underwriting is all about the debt service coverage ratio across all rental properties, rather than looking at each asset in isolation. Strong combined performance can offset a weaker unit – which can be especially helpful if you’ve got a mix of single-family homes and multi-family units.

• Loan size: typically $200,000 to $3,000,000 for Columbus-area rental portfolios

• LTV: we can do purchases up to 80%, and cash-out refinances often up to 75% – but always subject to risk and DSCR

• DSCR: we underwrite at the portfolio level using total rental income vs total debt service

• Credit: we take a pretty pragmatic view of your credit score – and sub-700 credit scores are not uncommon when the investment’s cash flow is strong

Many of our DSCR loans don’t require personal income verification – which makes them a pretty good fit for full-time investors who are serious about scaling their real estate businesses.

Entities, Recourse & Release Clauses

Most of our investment property loans close in an entity such as an LLC – which is in line with the professional investment structures used by Ohio investors. Depending on the program, some loans will include partial or full recourse, while others are structured with limited guarantees through private lenders or non-bank lenders.

• Entities come in LLCs, LPs and trusts – so whatever fits your business plan

• Recourse can vary depending on the strength of the deal and DSCR

• We’ve also got some flexibility built in to allow for property release or substitution if DSCR and LTV remain compliant – which can be super helpful if you need to pivot or swap out assets

This all allows investors to sell or swap assets without having to juggle a whole bunch of individual loans – and continue scaling their rental empire.

Rates, Prepayment & Fees

Rates on our portfolio loans are typically a bit higher than what you’d get from a bank or agency lender – but that’s because we’re willing to move fast and be a bit more flexible. Many Columbus investors are happy to pay a bit more for the convenience and speed of our loans, especially in the midst of a strong rental market with rising demand.

• Rates: are risk-based and tied to DSCR, LTV and asset quality

• Prepayment: we do step-downs or yield-maintenance provisions

• Fees: origination, underwriting, appraisal/BPO, legal and title – but all part of getting the job done and closing the loan in the least time possible

In most cases, one portfolio closing will be cheaper than multiple single-property closings.

Process & Timeline in Columbus

Our process is built around busy real estate investors who need quick access to capital without delay. As a direct lender, we’re able to move faster than traditional banks while keeping our underwriting transparent and predictable.

• Scenario review and soft quote within 1-2 days – so you can get a feel for what we can do for you

• Application, credit review and document collection

• We’ll do appraisals or BPOs across your rental properties – so we can get a solid view of your portfolio

• Final underwriting, clear any conditions and schedule the closing – all to get you into the deal fast

This streamlined approach can also give you a competitive edge in Columbus’ active housing market when it comes to purchase price negotiations.

What to Prepare

The more complete information you can provide upfront, the quicker we can get you to the finish line and the better terms you’ll get on your DSCR financing and portfolio loans.

• Property list with rents, taxes, insurance and HOAs

• Leases, rent rolls and operating statements

• Bank statements and entity documents

• Short business plan if you’re actively acquiring properties

• Rehab or construction funding history if that applies to you

Have all your ducks in a row – and we’ll help you get the best possible deal.

Closing in 10-15 Days

If you’ve got a smaller or cleaner portfolio, we can close in as little as 10-15 days – especially for refinances where we’ve got recent valuations and clean title. Larger portfolios or assets requiring fresh appraisals may take a bit longer. If speed is of the essence, we can also use hard money loans or private credit options to get you into the deal fast – and then refinance into a long-term DSCR loan later on.

When to Use Portfolio Loans vs Alternatives

Choosing the right capital is all about your timeline, asset condition and overall investment strategy – and our experienced lending team will help match the financing to your plan.

DSCR Single-Asset Loans

Best for a single stabilized rental that you plan to hold onto long-term. These investor loans may offer slightly better pricing when DSCR is strong.

Bridge & Hard Money Loans

Ideal for fix and flip projects, rehab projects, or properties without immediate rental income. Many Columbus hard money lenders provide short-term solutions that can transition into portfolio financing later on.

Bank Commercial Mortgages

Banks may offer lower rates but require strong personal income verification, tax returns, and longer timelines. Many Ohio investors still choose private or non-bank lenders for speed and flexibility when acquiring multiple properties at once.