Non-QM Mortgage Lender Dayton, Ohio
Serving Dayton's self-employed professionals, real estate investors, and growing immigrant community with Bank Statement, DSCR, and ITIN mortgage loans. No W2s. No tax returns.
The Dayton Opportunity
Dayton's Affordable Market Creates Strong Non-QM Demand
Dayton is one of the most affordable major metros in Ohio, with median home prices well below $200K and rental yields consistently in the 7–10% range. The Miami Valley's manufacturing resurgence — led by aerospace, defense, and advanced manufacturing — is bringing a wave of self-employed contractors and 1099 workers who need alternative income documentation.
Wright-Patterson Air Force Base, the University of Dayton, and a growing healthcare sector anchor the local economy. For real estate investors, Dayton's low entry prices and strong cash flow make it one of Ohio's best DSCR loan markets.
Dayton Non-QM Loan Programs
Dayton Investment Markets
Top Dayton Areas for Non-QM Loans
Kettering / Oakwood
6-8%Huber Heights
7-9%Beavercreek
5-7%Miamisburg / West Carrollton
8-11%Centerville / Washington Twp
5-6%Trotwood / Riverside
9-12%Real Dayton Borrowers
What Dayton Clients Say
"I've owned my restaurant for 11 years but my tax returns made it look like I was losing money. Ian got me approved in 18 days using 12 months of bank statements. Couldn't have bought my house any other way."
"We own four rentals in the Miami Valley and Ian has closed three of them. He understands DSCR better than anyone we've worked with. Fast, honest, and always available."
"I was told by two banks I couldn't get a mortgage without a Social Security number. Ian knew exactly which lenders accept ITIN and we closed in 24 days. My family finally has a home."
Meet Your Local Expert
Ohio's Non-QM Mortgage Specialist
With 15+ years in Non-QM lending, Ian Eichelberger has helped hundreds of Ohio borrowers — self-employed professionals, real estate investors, and immigrants — get approved when conventional lenders said no. He works with 100+ wholesale Non-QM lenders to find the best rate and terms for your specific situation.
Dayton's Non-QM Expert is Ready to Help
Ian Eichelberger, NMLS #368612, serves all of Montgomery County and the Miami Valley. Get your free consultation today.
Get Pre-Qualified FreeExplore Other Non-QM Loan Options
Qualify using 12-24 months of bank statements. No tax returns required.
Learn MoreFinance rental properties based on rental income. LLCs welcome.
Learn MorePurchase a home with your ITIN. No Social Security Number required.
Learn MoreLocal expertise for Franklin County and Central Ohio borrowers.
Learn MoreFast asset-based funding for Columbus rehab investors.
Learn MoreShort-term financing to close fast or buy before you sell.
Learn MoreQualify on 1099 income without W2s.
Learn MoreUse investment accounts as qualifying income.
Learn MoreNo U.S. credit history required.
Learn MoreGet approved 12 months after bankruptcy or foreclosure.
Learn MoreQualify with a CPA-prepared Profit & Loss statement. No bank statements needed.
Learn MorePurchase investment properties in your LLC's name. Asset protection for investors.
Learn MoreNortheast Ohio Non-QM mortgage specialist. DSCR, Fix & Flip, and more.
Learn MoreSouthwest Ohio Non-QM mortgage specialist. Bank Statement, DSCR, and more.
Learn More