Cincinnati, OH’s Trusted Hard Money Lender for Real Estate Investors

Cincinnati's real estate market doesn't pause for traditional bank timelines. When you identify a distressed property in Over-the-Rhine, a development parcel in Hyde Park, or a rental conversion in Oakley, your ability to close quickly separates profitable acquisitions from missed opportunities. Unitas Funding specializes in private lending for Cincinnati real estate investors who understand that financing velocity directly determines competitive advantage. We deliver the capital speed Cincinnati's evolving market demands, supported by institutional backing that guarantees your approved transactions actually close.

We function as strategic partners, not just capital providers. Our portfolio includes $4.5 billion in funded loans and 4,718 completed transactions, demonstrating consistent execution at scale. We blend construction expertise with institutional lending capabilities, creating a financing relationship that feels collaborative while maintaining the dependability of established financial institutions. Whether you're executing your first renovation or orchestrating a portfolio of simultaneous developments, investors in Cincinnati choose our hard money lenders because we design solutions around your specific needs rather than forcing opportunities into standardized lending products.

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Fast, Reliable Capital for Your Next Real Estate Deal

A competitive real estate environment demands lenders who match market pace. Properties in sought-after neighborhoods attract multiple bids within hours, tax lien auctions require immediate capital access, and off-market deals necessitate rapid execution. We deliver private loans for real estate investors with closing capabilities as fast as 10 business days, interest rates starting at 9.25%, and loan-to-cost financing up to 92.5% on qualifying deals. Our underwriting methodology evaluates property value and your investment approach, not inflexible credit criteria that slow approvals and diminish your competitive positioning.

Fix & Flip Loans

Fix & Flip Loans

 Cincinnati's established neighborhoods and revitalizing districts present continuous renovation opportunities. Our fix and flip financing covers both purchase price and rehabilitation costs through After Repair Value (ARV) underwriting, allowing you to acquire properties confidently and execute improvements that optimize profit margins. We offer 12-, 18-, and 24-month term structures with interest-only payment options that preserve working capital during renovation periods. Whether you're restoring historic homes in Mount Adams or modernizing properties in Northside, our draw management system ensures capital availability throughout construction, with processing times of 24-48 hours after inspection completion.

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New Construction Loans

New Construction Loans

Ground-up development demands lenders who genuinely understand construction complexities. Our new construction funding finances single-family spec projects and multifamily residential developments across Cincinnati and Hamilton County. We structure staged capital disbursements synchronized with construction milestones and independent inspections, aligning funding with your actual build progression. Our underwriting approach analyzes market fundamentals and your development track record, not generic formulas that ignore the unique demand characteristics of Cincinnati's neighborhood-specific markets.

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Bridge Loans

Bridge Loans

Short-term capital needs require lenders who prioritize execution speed. When you must secure a property immediately while finalizing permanent financing, repositioning an existing asset, or transitioning between investment strategies, our bridge loans provide 6-12 month terms engineered for velocity and flexibility. Cincinnati investors utilize gap financing to capture time-critical deals, stabilize properties before rental portfolio integration, or maintain transaction momentum between asset dispositions and new purchases. We structure terms around your specific timeline, providing clarity and execution certainty when speed determines success.

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DSCR Loans

DSCR Loans for Rental Properties

Building rental portfolios in Cincinnati requires financing that supports scalable growth. Our Debt Service Coverage Ratio (DSCR) loans qualify based on property income production, not personal income documentation. Whether you're acquiring short-term rentals near the University of Cincinnati, mid-term rentals for corporate housing, or traditional long-term properties in Anderson Township, we underwrite using the property's cash flow generation capacity. This asset-based framework eliminates the documentation burden of conventional lending while providing capital to expand your portfolio systematically.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    We combine institutional financial capacity with entrepreneurial execution. Our $4.5 billion funding history delivers the capital depth you expect from major lenders, while our direct lending model provides the responsiveness and customization you need from a committed partner. Traditional banks require 30-45 days for approval cycles; we close in as few as 10 business days. Smaller private lenders face capital limitations; we maintain resources to fund multiple concurrent transactions and support your growth as your investment volume expands.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Traditional lending institutions operate within rigid underwriting frameworks that automatically reject deals failing to meet standardized criteria. We employ a fundamentally different approach. Our underwriting team evaluates each transaction individually, examining property fundamentals, market conditions, and your specific exit strategy. This flexibility enables creative structuring for complex opportunities, term modifications matching your project timeline, and approval solutions when other lenders decline. Our focus is transparency and clarity, not arbitrary restrictions that limit your investment potential.

  3. Certainty from a Direct Lender.
    When our Cincinnati hard money lenders approve your loan, that approval represents genuine commitment. As a direct lender owning our capital and controlling underwriting decisions, you avoid secondary approval committees and the uncertainty of conduit lenders who sell loans to third-party investors. This direct relationship provides stability during market volatility and guarantees that approved transactions receive funding. Our institutional backing and direct lending structure proved particularly valuable during the April 2022 market disruption, when conduit lenders faced funding freezes while direct lenders like Unitas continued funding projects without interruption.

  4. Faster Funding, Faster Draws
    Construction projects require responsive capital management. Our draw approval system delivers 24-48 hour processing after inspection report completion, maintaining project momentum without bureaucratic delays. We understand construction timelines remain unpredictable and that rigid draw schedules create cash flow challenges. Our flexible framework allows unlimited draw requests within reasonable parameters, with typical projects requiring approximately 10 draws from start to finish. This responsiveness separates successful projects from those delayed by lender inefficiency.

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Get Pre-Approved in 24 Hours!
Ready to advance your investment property strategy? Complete the form below to begin your pre-approval process. Our team will evaluate your project details and provide a preliminary term sheet within 24 hours, delivering the certainty you need to submit competitive offers and close transactions quickly. Whether you're executing your first fix-and-flip or your fiftieth rental property purchase, Unitas Funding provides Cincinnati real estate investors with the private loans, expertise, and partnership approach Cincinnati investors trust.

Frequently Asked Questions

What types of investment properties do you finance?

Our Cincinnati hard money lenders finance residential investment properties including single-family homes, multifamily buildings, condominiums, and townhomes used for fix-and-flip strategies, rental income, or new construction. Our loans are exclusively business-purpose, structured for LLCs and corporate entities rather than individual owner-occupants. We serve Cincinnati and surrounding areas including Mason, West Chester, Blue Ash, Montgomery, and Loveland, with lending capabilities throughout Ohio and nationwide (excluding certain states where we operate as a wholesale lender only).

How quickly can you close on a Cincinnati investment property?

We close in as few as 10 business days with complete documentation. Pre-approvals and term sheets typically generate within 24 hours of application submission. Final approval timelines depend on title examination and property valuation completion, but our streamlined process consistently delivers faster closings than traditional bank financing, which typically requires 30-45 days minimum. Speed represents a core differentiator for Unitas, enabling Cincinnati investors to compete effectively in time-sensitive situations.

What are your loan-to-cost ratios for Cincinnati fix-and-flip projects?

We provide loan-to-cost ratios up to 92.5% on qualified fix-and-flip transactions, with specific terms varying based on property type, location, borrower experience, and project scope. Our asset-based underwriting emphasizes After Repair Value (ARV) and exit strategy rather than rigid formulas, allowing us to maximize leverage for strong opportunities while maintaining appropriate risk management. Rates start at 9.25%, with final pricing determined by credit profile, experience level, and deal-specific factors.

Do you require personal income verification for DSCR loans?

No. Our DSCR loans qualify based on the property's income potential and debt service coverage ratio, not your personal W-2s, tax returns, or employment history. This asset-based approach streamlines the approval process and focuses underwriting on what matters most: the property's ability to generate sufficient cash flow to cover debt service. We verify down payment liquidity and business entity documentation, but eliminate the extensive personal income documentation burden that traditional lenders require.

What areas of Cincinnati do you serve?

We serve Cincinnati and the greater metropolitan area including Mason, West Chester, Blue Ash, Montgomery, Loveland, Milford, and surrounding Hamilton County communities. Our lending capabilities extend throughout Ohio and nationwide, with physical offices in New Jersey and Florida providing personalized support for investors who value in-person consultations. We also offer fast, remote service for experienced investors who prefer streamlined digital processes.

Ready to Fund Your Next Cincinnati Real Estate Investment?

Cincinnati's real estate market rewards investors who act decisively with reliable capital backing. Unitas Funding provides the speed, flexibility, and institutional strength you need to build wealth through real estate investment. Contact our hard money lenders serving Cincinnati today to discuss your next project and discover why thousands of investors trust Unitas as their long-term lending partner. Let's figure out how to make your deal work.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.