Columbus Hard Money Loans for Real Estate Investors
Veteran-owned Ohio hard money. Send us the deal and Tony reviews it personally.
Columbus 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 Franklin 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 across Ohio, so a Columbus 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 Columbus: 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.
Columbus is one of the deepest fix-and-flip and BRRRR markets in the Midwest, with affordable entry prices and steady rental demand in Franklinton, the Hilltop, the South Side, Linden, Whitehall, and Reynoldsburg. We underwrite to the deal, not a rigid checklist. Where we lend in Central Ohio: Franklinton, the Hilltop, Linden, the South Side and the rest of the city, plus Whitehall, Reynoldsburg, Grove City, Groveport, Obetz, Westerville, Gahanna and the suburbs across Franklin County — and the deals investors chase just beyond it in towns like Newark, Lancaster and Pataskala. Two things worth knowing about flipping here: Columbus has been growing for a decade and the easy inventory gets bid hard, so the margin is won at purchase — off-market doubles and estate sales in Linden and the Hilltop still leave real room between purchase and after-repair value; and Central Ohio rental demand keeps climbing with the job base, which is what makes the BRRRR exit work here. A recent example from our 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 Columbus.
Submit Your Deal for Fast Review
How fast can you close in Columbus?
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 Columbus 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 Columbus that means the doubles and four-units around the university and the near-east side, bungalows and cape cods in Linden, the Hilltop and Whitehall, and small multifamily in the first-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.