Toledo, OH's Trusted Hard Money Lender for Real Estate Investors

Toledo's deep manufacturing base and rock-bottom entry prices have made it a magnet for out-of-state investors chasing cash flow — but the best deals in the Old West End's historic mansions or Point Place's lakefront bungalows still go to whoever can close fastest and with certainty. Traditional bank timelines simply don't work in Toledo's competitive investor market.

Unitas Funding provides private real estate loans for investors throughout Toledo and Lucas County — fix-and-flip, new construction, bridge, and DSCR rental financing up to $4.5M. With $4.5 billion funded nationally, we bring institutional capital and direct-lender speed to northwest Ohio.

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Fast, Reliable Capital for Your Next Toledo Deal

Toledo's low acquisition costs combined with steady manufacturing and healthcare employment support strong cash-on-cash returns for buy-and-hold investors. Unitas offers rates from 8.99%, up to 92.5% loan-to-cost, and pre-approval in 24 hours across Lucas County.

Fix & Flip Loans

Fix & Flip Loans

The Old West End's historic mansions and Uptown's Victorian housing stock reward investors who can execute quality renovations that restore period character while updating systems. Unitas funds acquisition and rehab budget together so Toledo flippers can close and start work fast.

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New Construction Loans

New Construction Loans

Infill development near Westmoreland and Old Orchard continues as Toledo works to replace aging housing stock with modern product. Our construction loans fund the full build cycle with 24-48 hour draws to keep Ohio crews on schedule.

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Bridge Loans

Bridge Loans

Need to close on a Point Place lakefront acquisition before your permanent financing is finalized? Unitas bridge loans give Toledo investors the short-term capital to secure deals without missing the window.

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DSCR Loans

DSCR Loans for Rental Properties

Toledo's low price-to-rent ratios make DSCR loans especially effective for investors building cash-flowing rental portfolios across Uptown or the Old West End. We qualify the property's income, not your personal tax returns.

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What Makes Unitas Different in Toledo

  1. Institutional Resources, Direct Access
    With $4.5 billion in institutional capital behind every closing, Unitas never leaves Toledo investors waiting on funds — while operating as a direct lender that gives real answers in hours.

  2. Local Toledo Market Expertise
    Our underwriting team understands Lucas County's value-add opportunity, from Old West End mansions to Point Place bungalows, and prices deals on the asset and plan.
  3. Speed That Protects Your Margin
    24-48 hour draw turnaround keeps Toledo rehab and construction projects moving through Ohio's four-season build calendar.

  4. A Track Record Built in Toledo
    We've funded deals across Uptown, Westmoreland, and the Old West End, building the track record Toledo investors rely on for certainty of close.

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Get Pre-Approved in 24 Hours
Ready to move on your next Toledo deal? Submit your scenario and get a same-day term sheet from a direct lender — no committees, no runaround.

Frequently Asked Questions

How fast can Unitas close a hard money loan in Toledo?

Most Toledo transactions close within 10 business days of a completed application, with our team coordinating directly with Lucas County title companies.

What loan-to-cost can Toledo investors access?

Qualified borrowers can reach up to 92.5% loan-to-cost on Toledo fix-and-flip deals, covering purchase and renovation budget.

Does Unitas lend on historic properties in the Old West End?

Yes, we underwrite historic renovation projects throughout the Old West End and Uptown, evaluating the specific scope of work and ARV.

How does DSCR financing work for Toledo rentals?

DSCR loans qualify based on the property's rental income relative to debt service, not personal income, which fits Toledo's strong cash-flow rental market.

What parts of northwest Ohio does Unitas serve?

We fund deals throughout Lucas County and surrounding northwest Ohio, including Sylvania, Maumee, and Perrysburg.

Ready to Fund Your Next Toledo Real Estate Investment?

Unitas Funding delivers the fast, flexible private capital Toledo investors need to compete in one of the Midwest's best cash-flow markets. From Old West End restorations to Uptown infill, we fund projects across Lucas County. Contact us today to discuss your Toledo investment property financing.

Unitas Funding has funded 40+ deals for investors in and around Toledo, OH.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.