Cleveland Hard Money Loans for Real Estate Investors
Veteran-owned Ohio hard money. Send us the deal and Tony reviews it personally.
Cleveland moves fast, and the investors who win here move faster. HomeFund USA is a private hard money lender built by investors, for investors, funding fix-and-flip and BRRRR projects across Cuyahoga County. We move fast so you do not lose a deal to a cash buyer. We are investors ourselves, with years of flipping and BRRRR projects in the Akron, Canton and Cleveland corridors, so a Cleveland deal does not need to be translated for us — send the address, the price, the scope and your exit, and you are talking to someone who has stood in that kind of house.
We lend up to 70% of after-repair value (ARV) on non-owner-occupied, business-purpose deals, typically $50,000 to $500,000, funding both purchase and rehab. Low-doc and straightforward: send the deal and Tony King reviews it personally, with a clear term sheet and no junk fees. How it works in Cleveland: we fund the purchase at closing and the renovation in draws — you finish a stage of the work, we verify it, and that piece of the budget is released, so your contractors stay paid and the rehab keeps moving. Quick facts: veteran-owned · lending in Ohio, North Carolina and Pittsburgh · non-owner-occupied 1–4 unit and small multifamily · up to 70% of ARV · typically $50,000 to $500,000 · purchase plus rehab draws · low-doc.
Cleveland is one of the deepest fix-and-flip and BRRRR markets in the Midwest, with affordable entry prices and steady rental demand in Old Brooklyn, West Park, Detroit-Shoreway, Slavic Village, Lakewood, and Parma. We underwrite to the deal, not a rigid checklist. Where we lend in Greater Cleveland: the city's east and west sides, Lakewood, Parma, Parma Heights, Euclid, Garfield Heights, Maple Heights, Cleveland Heights, Shaker Heights, South Euclid, Brook Park, Berea and the rest of Cuyahoga County, plus the Lorain, Lake and Medina County suburbs investors actually buy in. Two things worth knowing about flipping here: many inner-ring suburbs run a point-of-sale inspection before a transfer, so build the violation list and any escrow into your scope from day one, and Cuyahoga County entry prices still leave real room between purchase and after-repair value on a well-run rehab — which is exactly what our 70%-of-ARV lending is sized for. A recent example from our Northeast Ohio book: a single-family fix-and-flip we funded in 2026 — purchase at closing plus three scheduled rehab draws, at 73% of after-repair value, with the borrower's own scope and comps as the basis. That is the shape of most deals we fund in Cleveland.
Submit Your Deal for Fast Review
How fast can you close in Cleveland?
Once we have the purchase contract, rehab scope, and an ARV basis, simple deals can close fast. The pieces that decide the pace are the title work and your file, so send the executed contract, the itemized rehab scope and your ARV basis together — that is what Tony needs to issue a term sheet, and a complete file is what a fast Cleveland closing looks like.
What kinds of properties do you fund?
Non-owner-occupied 1 to 4 unit residential and small multifamily for fix-and-flip or BRRRR. Business-purpose loans only. In Cleveland that means the classic colonials and doubles on the east and west sides, bungalows in Parma and Lakewood, and small multifamily in the inner-ring suburbs — purchases and rehab budgets typically $50,000 to $500,000 all-in.
Do I need perfect credit?
No. We are low-doc and focus on the deal: purchase price, rehab scope, and ARV. Expect us to ask for the purchase contract, a line-item scope of work, your comps or the appraisal you are relying on, your entity documents and a personal guaranty from the principal — not tax returns or a bank-style income package.