HARD MONEY LOANS · Ohio (OH) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Ohio Hard Money Loans (Fast Asset-Based Acquisition & Bridge) — 2026 Rates, LTV Caps & State Rules

Ohio Hard Money Loans provide business-purpose real estate investors with Up to 85%–90% LTC / 75% ARV across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 10 Business Days close). In Ohio (OH), lenders underwrite to a Judicial (County Court of Common Pleas) statutory framework (160–220 days-day average timeline), a 1.48% average property tax rate (~$315/mo at the $255,000 state median), and $490/$100K hazard insurance (~$104/mo).

Max Leverage / LTC
Up to 85%–90% LTC / 75% ARV
Min FICO: 600 – 640+ FICO (Asset-Backed)
2026 Rate Band
9.25% – 11.50% Interest-Only
6, 12, 18 & 24 Months Interest-Only
OH Security Instrument
Judicial (County Court of Common Pleas)
160–220 days days avg timeline
OH Avg Tax & Ins
1.48% Tax
$490/$100K Hazard Ins

Ohio County-Level Property Tax & Insurance Hubs (5)

Franklin County, OH
Franklin County, OH · 1.62% Tax · $520/$100K Ins
Cuyahoga County, OH
Cuyahoga County, OH · 2.12% Tax · $540/$100K Ins
Hamilton County, OH
Hamilton County, OH · 1.68% Tax · $530/$100K Ins
Summit County, OH
Summit County, OH · 1.79% Tax · $525/$100K Ins
Montgomery County, OH
Montgomery County, OH · 1.82% Tax · $525/$100K Ins

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Ohio Hard Money Loans (2026) — Up to 85%–90% LTC / 75% ARV, 9.25% – 11.50% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach