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Investment property loans · Montgomery County, OH

Hard money, fix and flip and DSCR loans in Dayton, OH

Dayton's historic neighborhoods near downtown, such as Huffman and McPherson Town, hold 1870s to 1900 houses that investors restore for resale or keep as rentals, and South Park adds brick and frame homes in a neighborhood shaped by NCR founder John H. Patterson. With several historic districts in the city and the Great Miami River running past downtown, checking district status and flood maps belongs early in any Dayton deal.

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Where investors buy

Neighborhoods investors look at in Dayton

Dayton's historic neighborhoods are mostly single-family houses and mansions in styles from Queen Anne and Neoclassical to Craftsman and Prairie. South Park's homes, built from the 1880s into the early 1900s, are one- and two-story brick and frame buildings, and Huffman went up mainly between 1870 and 1890 and has changed little since.
Oregon DistrictAbout a dozen blocks of brick streets lined with Federal, Greek Revival, Italianate and Queen Anne buildings from roughly 1820 to 1915, mixing homes with galleries, shops and bars.
South ParkA large National Register district of mostly 1880s to early-1900s brick and frame homes, from small cottages to high-style Second Empire and Queen Anne houses, laid out with gardens under John H. Patterson's influence.
HuffmanJust east of downtown, Huffman's 85-acre district was built mainly from 1870 to 1890 for a mix of laborers, artisans and executives, and almost nothing was added after 1900.
McPherson TownNorth of downtown across the Great Miami River, this small district of mostly 1880 to 1900 Queen Anne and Stick-style houses has added period-style infill homes since 1995 where buildings were lost to fire or decay.
Wright-DunbarHome of poet Paul Laurence Dunbar and once the center of Black business life in Dayton, this National Register district saw many houses restored with city and county help after damage from urban renewal and I-75.
Dayton ViewLarge homes from the late 1880s through the 1930s sit well back from broad streets, in styles from Victorian to American Foursquare and Prairie School.

Loan programs

Loans for Dayton real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Dayton

30-year loans for Dayton rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Dayton

Buy and renovate in Dayton with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Dayton

Close quickly on a Dayton property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Dayton

Financing for new builds in Dayton, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Dayton

Financing for Dayton apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Dayton

Local rules and costs that change a deal's numbers or closing date in Dayton and Montgomery County. Sources are listed at the bottom of the page.
  • Budget for Montgomery County's conveyance fee at transfer: $3 per $1,000 of the sale price plus $0.50 per parcel.
  • Plan to file the rental with the Montgomery County Auditor's registry under Ohio Revised Code 5323.02 and update it after changes; an owner outside Ohio must name an Ohio agent.
  • Check whether the property sits in one of Dayton's city-designated historic districts, such as McPherson Town or Dayton View, and ask the city what review applies before budgeting exterior work or demolition.
  • Check the FEMA flood map for parcels near the Great Miami River, since a flood-zone designation can add insurance costs to a rental's carrying numbers.

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Have a Dayton property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Dayton: common questions

Do you offer hard money loans in Dayton?

Yes. United Lending LLC offers private real estate financing for investors in Dayton and the rest of Montgomery County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Dayton?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Oregon District, South Park and Huffman, among other parts of Dayton.

How much can I borrow for a Dayton flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Dayton?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Dayton or have a Ohio LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Ohio, your loan officer will tell you what's needed before closing.

Ohio

More places we lend in Ohio

Sources (10)Checked November 6, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. Montgomery County Auditor: Deed transfer
  2. Ohio Revised Code 5323.02: Residential rental property registration
  3. FEMA Flood Map Service Center
  4. Wikipedia: Dayton, Ohio
  5. Wikipedia: Oregon District
  6. Wikipedia: South Park Historic District (Dayton, Ohio)
  7. Wikipedia: Huffman Historic District
  8. Wikipedia: McPherson Town Historic District
  9. Wikipedia: Wright-Dunbar
  10. Wikipedia: Dayton View Historic District