Can I finance an investment property in Ohio through Andes?

Yes. Andes originates business-purpose investment property loans on non-owner-occupied Ohio real estate — including DSCR loans, cash-out refinances, investor HELOCs, and short-term rental financing. These loans qualify on the property's rental income, so there are no tax returns and no personal debt-to-income calculation.

Does Andes offer owner-occupied or consumer mortgages in Ohio?

No. In Ohio, Andes offers business-purpose investment loans only — financing for rental and other non-owner-occupied property. We do not originate owner-occupied, primary-residence, or other consumer-purpose mortgages in Ohio.

What is a business-purpose (investor) loan?

A business-purpose loan finances property held to generate income or profit — a rental, a BRRRR project, a short-term rental — rather than a home you live in. Because the loan is underwritten on the property's cash flow and business use, it follows different rules than a consumer mortgage, and the property is typically non-owner-occupied.

Which Ohio markets are best for rental investing?

The four metros investors ask about most are Columbus, Cincinnati, Cleveland, and Dayton. Columbus and Cincinnati carry higher prices with strong demand and appreciation potential, while Cleveland and Dayton offer lower entry prices and higher yields where deals commonly clear a 1.0+ DSCR on rent alone.

Can I buy an Ohio rental property through an LLC?

Absolutely. You can title your property to an LLC using our DSCR loans in Ohio. For more information on having a business own the property, visit our DSCR LLC page .

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