Financing
Financing Options for Investment Property in Ohio
July 15, 2026 · 7 min read
Conventional, DSCR, portfolio, hard money, and house hacking — which financing fits which acquisition.
Conventional investor loans
Typically 20–25% down with rate adjustments for occupancy. Best for stabilized properties and buyers with strong personal income documentation.
DSCR loans
Underwritten on the property's cash flow rather than your tax returns. Slightly higher rates, dramatically simpler qualification, and the workhorse of most growing portfolios.
House hacking
Owner-occupied duplexes and fourplexes qualify for low-down-payment financing. It remains the cheapest way to acquire rental units in Northeast Ohio.