Non-QM Mortgage Lender Cleveland, Ohio
Bank Statement, DSCR, Fix & Flip, and ITIN loans for Cleveland's self-employed borrowers and real estate investors. No W2s. No tax returns. Just results.
The Cleveland Opportunity
Cleveland: One of the Nation's Top Fix & Flip and DSCR Markets
Cleveland consistently ranks among the top fix-and-flip markets in the United States. With median home prices well below the national average and rental yields of 7-11%, Cuyahoga County offers some of the best cash-on-cash returns for real estate investors anywhere in the Midwest.
Cleveland's growing healthcare sector (Cleveland Clinic, University Hospitals), expanding tech corridor, and revitalized neighborhoods like Ohio City, Tremont, and Detroit Shoreway are driving both rental demand and property appreciation — creating ideal conditions for DSCR and Fix & Flip borrowers.
"Cleveland ranked #3 nationally for fix-and-flip returns in 2026, with average gross flip profits exceeding 65% of purchase price in key neighborhoods."
Cleveland Non-QM Loans
Non-QM Loan Options for Cleveland Borrowers
Cleveland Rehab Investors
Fix & Flip Loans
Asset-based funding for Cleveland's abundant value-add inventory. Close in as few as 7 days. No income verification required. Perfect for Ohio City, Tremont, and Slavic Village flips.
- No income verification
- Close in 7-14 days
- Up to 90% LTC
Cleveland Rental Investors
DSCR Investor Loans
Finance Cleveland rental properties based on the property's rental income. With yields of 7-11%, Cleveland DSCR loans often qualify easily. LLCs and entities welcome.
- No personal income needed
- LLCs welcome
- STR/Airbnb eligible
Self-Employed Cleveland Borrowers
Bank Statement Loans
For Cleveland Clinic contractors, independent healthcare professionals, and any Northeast Ohio resident who is self-employed or 1099. Qualify using 12-24 months of bank statements.
- No tax returns
- Up to $3M
- 620+ credit score
Cleveland Investment Markets
Top Cleveland Neighborhoods for Non-QM Loans
Ohio City / Tremont
7-9%Slavic Village / Kinsman
9-11%Detroit Shoreway
6-8%Lakewood / Rocky River
5-7%Beachwood / Solon
4-6%Euclid / East Cleveland
10-13%Real Cleveland Borrowers
What Cleveland Clients Say
"I own 12 rentals in Cuyahoga County and Ian has closed four of them. He knows DSCR inside and out, moves fast, and always finds competitive rates. He's my only lender for investment deals."
"I started my own medical practice two years ago and conventional lenders wouldn't count my income. Ian used 12 months of business bank statements and closed our Beachwood home in 26 days."
"I'm a Ghanaian national purchasing rental properties in Cleveland. Ian was the only loan officer who understood Foreign National DSCR programs. Professional, efficient, and highly recommended."
Cleveland's Non-QM Expert is Ready to Help
Ian Eichelberger, NMLS #368612, is licensed in Ohio and serves all of Northeast Ohio. Get your free Non-QM consultation today.
Get Pre-Qualified Free