Getting access to investor-friendly financing is the biggest obstacle faced by real estate investors today.

Build Realty offers reliable, Cincinnati hard money loans for real estate investors, even those with less than perfect credit.  Our loans including funding for the purchase price and renovation costs.

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Build Realty is the only source of financing you will need to start or grow your Cincinnati real estate investing business.

Cincinnati-based lender

Cincinnati is a city of neighborhoods that no national lender or bank could begin to fully grasp.  We understand this market and will work with you to help build your real estate investing business in your (and our) hometown.

Loans up to 70% of ARV

We can lend up to 70% of the After Repair Value of the property (75% in some areas), including funding for any repairs that need to be completed.

Investors Only

We work exclusively with real estate investors (sorry, we don’t lend on owner-occupied houses).  We understand the challenges that investors face and have structured our loans to help you achieve your goals – without pushing our policies and regulations down your throat.

Down payments are as little as $10,000

We like to keep things simple.  If you can put $10,000 down on a property and have enough reserves to get the rehab started, then you are most likely qualified for a hard money loan from Build Realty.

Repair funds included

All of our loans include financing for the repairs as well as the purchase price of the house.  We consider this a “Total Project Cost” loan.  If you want to fund the repairs yourself that is alright as well.

Close in 10 business days

We are a Cincinnati-based company who understands the investment side of the Cincinnati real estate market better than any bank.  We move quickly including same day loan approvals and closings in as little as 10 business days.

What is a hard money loan?

A real estate hard money loan is financing that is primarily based on the value of the house itself and not on the borrower’s qualifications. These loans can be very hard to find – real estate investors who have a solid source for hard money financing don’t tend to share that information with other investors. Hard money loans are one of the secrets of many successful real estate investors.

Who uses hard money?

Is it only for people who can’t get a loan from a bank?

Despite what you might think, many of the borrowers who use our hard money loans have excellent credit.  Since our loans are private and aren’t reported to the bureaus, hard money loans won’t affect your debt-to-income ratio or drag down your credit score.  Hard money loans are an easier way to take out and pay off multiple loans to buy investment properties without hurting your credit score or debt-to-income ratio.

The financing division of Build Realty is called Greenleaf Funding. You can review our loans and apply at

Cincinnati Hard Money Loans