Central Ohio Coverage

Hard Money & DSCR Loans in Columbus

Columbus has been one of the country's fastest-growing investor markets. We fund the strategies that work here.

Pimlico Capital funds bridge and 30-year DSCR rental loans across Columbus and surrounding Franklin County. The city's population growth, Ohio State demand, and steady rental fundamentals make it a strong fix-and-flip and BRRRR market. Asset-based underwriting, no personal income verification.

Get a Quote for a Columbus Deal Call (410) 855-4600
Downtown Columbus, Ohio skyline
Columbus
Photo: Trëxo, CC BY 3.0
5–7 daysTypical close on Columbus bridge deals
70% LTVUp to, with 100% rehab funding
10+Columbus neighborhoods we know
Loan Products Available in Columbus

What We Fund Here

Both of our core products are available in Columbus to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Short-term

Bridge & Fix-and-Flip

  • Up to 90% of purchase, 100% of rehab
  • 6–18 month terms, extensions available
  • Close in as little as 5–7 business days
  • $75K minimum, $3M maximum
Bridge loan details →
Long-term

30-Year Rental (DSCR)

  • Up to 80% LTV on purchase or rate & term refi
  • 30-year fixed amortization
  • No personal income documentation
  • $75K – $1.5M per property, portfolio loans available
DSCR rental details →
Neighborhoods We Know

Columbus Neighborhoods We Fund

Active book and on-the-ground knowledge — fix-and-flip, BRRRR, and 30-year DSCR holds across Columbus.

Short North

Walkable arts district. Tight inventory, strong ARV ceilings, and reliable comps.

German Village

Historic brick-cottage market. Premium ARVs on period-correct renovations.

Clintonville

Family-friendly with steady investor demand. Mix of bungalow flips and DSCR rentals.

Linden

Active fix-and-flip and BRRRR territory. Block-by-block underwriting works best here.

Hilltop

Value-add territory with rising ARVs. Earlier-stage deal sizes.

Olde Towne East

Historic district with strong rental and flip activity.

Franklinton

Active gentrifying market. Strong rent-to-price spreads.

University District

OSU-adjacent. Steady student-rental demand and reliable DSCR cash flow.

Dublin & Worthington

Higher price points, newer stock. DSCR rental sweet spot for portfolio investors.

Reynoldsburg & Whitehall

Workforce-housing DSCR territory east of downtown.

Local Expertise

What we actually know about Columbus

A non-exhaustive list of the Columbus-specific things we deal with every day.

  • Columbus's permit process and how to schedule draw inspections around it.
  • Franklin County title and tax-lien processes.
  • Ohio's lead-paint disclosure requirements for pre-1978 properties.
  • OSU student-rental demand cycles (lease signing in spring for fall occupancy).
  • Section 8 voucher payment standards across Central Ohio.
  • LLC titling with the Ohio Secretary of State.

Why local knowledge matters

A national lender with a call center won't know that a Columbus deal has its own underwriting quirks. We've closed thousands of deals across our footprint — and we've learned from every local curveball.

See real deals →
Common Questions

Columbus Lending FAQ

Do you lend in Columbus?
Yes. Columbus is one of our active Ohio markets. We fund both bridge / fix-and-flip and 30-year DSCR rental loans across Franklin County.
How fast can you close on a Columbus deal?
We typically close Columbus bridge loans in 5–7 business days. Title and inspections are local-coordinated.
Do you fund Short North and German Village historic properties?
Yes. We routinely fund rehab projects in historic districts. We know which renovations require board approval and how to underwrite the timeline.
Can I get a DSCR loan on an OSU student rental?
Absolutely. Our 30-year DSCR program is a strong fit for student-rental properties with reliable annual lease cycles. We qualify on property income, not your W-2.
What ARV range do you fund in Columbus?
We fund bridge loans from $75K up to $3M. Most Columbus fix-and-flip projects we see fall in the $150K–$400K ARV range.
Do you fund vacant properties in Linden or Hilltop?
Yes, with appropriate underwriting. We know which blocks comp out and which don't, and we underwrite block-by-block where it matters.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local market knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Investor Education

From the Blog

Investor playbooks — bridge, DSCR, BRRRR, and rehab fundamentals — from our team. See every market we serve on our Where We Lend page.

Ready to close a deal in Columbus?

Get a quote in 24 hours or call us right now.

Get a Columbus rate Call (410) 855-4600

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