Ohio

Ohio Private Money Lender

Ternus funds investor loans across Ohio. Fix and flip, DSCR rental, bridge — structured for speed, with state-specific overlays applied at quote.

Ternus: Supporting Ohio real estate investors

Ohio has a long history of innovation—just ask Thomas Edison or the Wright brothers. And when it comes to your real estate investments, a bright idea needs to be backed by the right financing.

Here at Ternus Lending, we provide fast and reliable capital to help you in your real estate investment journey. Whether you’re tackling a fix-and-flip project, expanding your rental portfolio, need a bridge loan, or want transactional funding, our flexible lending solutions give your Ohio investments wings.

Who We Are

Founded for investors by investors, Ternus is a national private money lender with loan options tailored to Ohio property investors’ needs.

Our team is dedicated to providing efficient, investor-focused funding, so you can move confidently on every real estate venture.

What We Do

At Ternus Lending, we’re here to ensure you have the financial tools needed for success in Ohio’s competitive market. Specializing in hard money loans for investors, we offer flexible financing options tailored to meet the needs of today’s investors. Get the expertise, competitive terms, and streamlined approval process you need to act quickly on valuable opportunities with Ternus. Our services include:

Loan Programs

Fix and Flip Loans

Our fix-and-flip loans are tailored for Ohio investors who intend to buy, renovate, and sell properties with little turnaround time. If you’re looking to fix-and-flip properties, we offer rehab loans that have competitive terms and quick approval times.

Key Aspects of Our Fix-and-Flip Loans:
  • Up to 100% financing for 1–4-family properties, capped at 70% of the after-repair value (ARV)
  • Fast funding between $50,000 and $500,000, with potential for 24-hour closings in established areas, if the title is clear
  • No appraisals or credit checks, and we handle underwriting in-house to keep things moving smoothly

Transactional Funding

With Ternus’s transactional funding, Ohio wholesalers have short-term financing options ideal for double-closing deals.

Key Aspects of Our Transactional Funding:
  • Loan amounts from $50,000 to $500,000, with quick processing and potential same-day closings
  • Low fees with just a 1% origination fee and no additional fees for document preparation or processing

Wholetail Loans

When you want to maximize your profit potential while minimizing your commitments, our wholetail loans come with the ability to close in as little as 24 hours provided a clear title.

Key Aspects of Our Wholetail Loans:
  • Rates at just 12%, interest-only payments available monthly, and no rehab escrow
  • $50,000 to $500,000 loans for 1–4-family properties covering up to 100% of loan-to-cost
  • Rapid closing in as little as 24 hours with minimal fees and no hidden processing charges

Long-Term Rental Loans

Ternus provides Ohio investors with long-term rental loans that have terms extending up to 30 years. With our DSCR loan options, you can get favorable interest rates that help you maximize your returns over time.

Key Aspects of Our Long-Term Rental Loans:
  • Financing up to 80% of the as-is value for non-owner occupied 1–4-family properties
  • Flexible terms with options for up to 30-year fixed-rate loans
  • Competitive rates starting as low as 6.59%

Investor Rental Portfolio Loans

Ternus provides financing options for rental properties. Our rental property portfolio loans are perfect when you want to consolidate your loan payments for multiple rental properties into one loan. With Ohio DSCR loans that can be tailored to your needs, you can use the projected rental income from your property or properties to qualify for the loan.

Key Aspects of Our Investor Portfolio Loans:
  • Financing for a variety of properties, including single-family homes, condos, townhomes, and multi-family buildings (5–9 units)
  • Flexible terms of 3, 5, 7, or 10 years, with options for interest-only payments
  • Loan amounts from $55k per property up to a total portfolio limit of $20M, supporting both small and large investments

Why Choose Ternus Lending

We are committed to making lending fast and easy.

When you choose Ternus Lending, you’re not just working with a top lender in Ohio—you’re gaining a reliable partner for your investment journey. With Ternus Lending, you can receive reliable capital and get in the fast lane to reach your investment goals. 

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Our Benefits
  • Faster closing process than with a traditional loan
  • Easier underwriting process without the need for perfect credit
  • Financing for properties in less-than-ideal condition

Ready to Get Started?

At Ternus Lending, we’re proud to be a trusted private money lender in Ohio, dedicated to providing our investors with a fast and dependable lending experience. With clear terms and exceptional customer service at every step, you can feel confident about your investments here in the Buckeye state. We provide fast approvals in a straightforward loan process, so you can secure your funding without the hassle.

Are you ready to get the funding you need to optimize your investment portfolio? Contact Ternus today to start your real estate investment journey.

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