DSCR Loans in Cuyahoga County, Ohio
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 244 lenders made 4,685 investment-property loans in Cuyahoga County, 21.6% of Ohio's total. Dominick Prevete arranges DSCR loans across Cuyahoga County, Ohio, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $215,000.
Cuyahoga County investor market at a glance
| Statistic | Cuyahoga County | Ohio | County rank |
|---|---|---|---|
| Investor loans | 4,685 | 21,703 | 1st of 30 |
| Reporting lenders | 244 | 551 | 1st of 30 |
| Loan volume | $702.8M | $3.64B | 1st of 30 |
| Average loan | $150K | $168K | 18th of 30 |
| Median loan | $115K | $135K | 19th of 30 |
| Purchases | 59.3% | 59.1% | 21st of 30 |
| Cash-out refinances | 21.7% | 20.0% | 14th of 30 |
| 2–4 unit properties | 33.9% | 23.7% | 1st of 30 |
| Top five lenders' share | 43.6% | 28.8% | 10th of 30 |
| Reported business-purpose | 83.8% | 76.4% | 3rd of 30 |
Cuyahoga County: closed-end loans on 1–4 unit investment properties. Cuyahoga County's rank is highest first, among Ohio's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cuyahoga County's investor loans.
What stands out in Cuyahoga County
33.9% of Cuyahoga County's investor loans financed a 2–4 unit property, the highest share of Ohio's 30 counties with published data (statewide: 23.7%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
By share of investor loans reported as business-purpose, Cuyahoga County ranks 3rd-highest of Ohio's 30 counties with published data (statewide: 76.4%).
83.8% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Does a DSCR loan pencil in Cuyahoga County?
At HUD's fair market rent of $1,628 for a 3-bedroom in Cuyahoga County, Ohio, a rental covers its full DSCR payment up to a purchase price of about $215,000, with 20% down at the 7.25% starting rate (November 2026). Cuyahoga County's median home value is $195,400; at that price the payment is $1,474 a month, so the property would need $1,475 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,274 / $1,628 / $1,756 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $195,400 |
| Median property taxes and effective rate | $3,910 (2.00% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $1,474 |
| Rent needed to cover that payment | $1,475 |
| Coverage of a 3-bedroom at fair market rent | 1.10 |
| Highest price a 3-bedroom at fair market rent covers | about $215,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $335,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Cuyahoga County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cuyahoga County?
The most active investment-property lenders in Cuyahoga County in 2025 HMDA data were BPL MORTGAGE TRUST, LLC; Kiavi Funding, Inc.; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 244 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Cuyahoga County, and matches each file to the one most likely to fund it.
Cuyahoga County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 4,685 loans and $702.8M from 244 lenders. BPL MORTGAGE TRUST, LLC led Cuyahoga County with 626 loans, 13.4% of the county's total, and the average Cuyahoga County loan of $150K compares with $168K across Ohio.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| BPL MORTGAGE TRUST, LLC | 626 | $63.0M | $101K | 65.7% |
| Kiavi Funding, Inc. | 541 | $79.3M | $147K | 48.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 418 | $43.7M | $104K | 60.0% |
| Loan Funder LLC | 261 | $44.1M | $169K | 50.2% |
| CV3 FINANCIAL SERVICES, LLC | 195 | $24.5M | $126K | 81.5% |
| CROSSCOUNTRY MORTGAGE, INC. | 163 | $26.0M | $159K | 81.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 136 | $24.1M | $177K | 60.3% |
| The Huntington National Bank | 119 | $14.9M | $125K | 84.0% |
| Synergy One Lending, Inc. | 107 | $17.4M | $163K | 84.1% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 97 | $10.3M | $106K | 12.4% |
| Rocket Mortgage, LLC | 70 | $9.3M | $133K | 55.7% |
| MM LENDING, LLC | 67 | $9.7M | $145K | 0.0% |
| HOMEXPRESS MORTGAGE CORP. | 65 | $10.9M | $167K | 24.6% |
| CONSTRUCTIVE LOANS, LLC | 60 | $5.6M | $93K | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 58 | $10.7M | $184K | 39.7% |
| AMERICAN HERITAGE LENDING, LLC | 58 | $8.0M | $138K | 27.6% |
| AMERICAN PACIFIC MORTGAGE CORPORATION | 54 | $8.3M | $154K | 57.4% |
| OCMBC, INC. | 52 | $7.8M | $150K | 82.7% |
| FIRST OHIO HOME FINANCE, INC. | 52 | $6.2M | $119K | 75.0% |
| DEEPHAVEN MORTGAGE LLC | 43 | $7.1M | $164K | 44.2% |
| First Federal Savings and Loan Association of Lakewood | 39 | $8.4M | $216K | 76.9% |
| LENDINGONE, LLC | 39 | $5.7M | $146K | 30.8% |
| NFM, INC. | 36 | $5.8M | $160K | 75.0% |
| JPMorgan Chase Bank, National Association | 36 | $5.6M | $157K | 83.3% |
| A&D Mortgage LLC | 33 | $5.3M | $162K | 60.6% |
1,125 Ohio loans (5.2%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cuyahoga County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cuyahoga County CSV, all 25 lenders
What Cuyahoga County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cuyahoga County's fix-and-flip and bridge lenders barely appear among its 244 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including several on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Cuyahoga County, Ohio deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cuyahoga County, Ohio property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Cuyahoga County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 244 lenders and 4,685 loans: 2025 HMDA loan-level data rolled up to Cuyahoga County.
- Cuyahoga County investor-lender dataset (CSV) — All 25 lenders in the Cuyahoga County, Ohio table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cuyahoga County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Cleveland, OH HUD Metro FMR Area.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cuyahoga County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.