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DSCR MARKET DATA · CLEVELAND, OH · #1 NATIONAL 2026

Cleveland — The #1 DSCR Investor Market in America in 2026

$130K SFR · $1,225 rent · 0.94% R/P · DSCR 1.25–1.65 across 6 working-class neighborhoods. Strongest cash-flow fundamentals of any major US metro, anchored by Cleveland Clinic + University Hospitals + Sherwin-Williams employment.

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DSCR Market Data · Cleveland, OH · #1 national

Cleveland, OH DSCR Market Snapshot · 2026 Q1

0.94%

R/P ratio

Best in top-15 US metros

1.42

Avg DSCR

Across 6 green zones · 80% LTV / 7.5%

$130K

Median SFR price

Zillow ZHVI · 2026 Q1

$1,225

Median monthly rent

Zillow ZORI · 2026 Q1

CASH-FLOW-VALIDATED ZONES

Cleveland DSCR Neighborhoods That Pencil in 2026

Glenville

ZIP 44108

$75K–$120K · DSCR 1.40–1.65 · Highest cashflow zone east side

Slavic Village

ZIP 44105

$70K–$115K · DSCR 1.40–1.65 · Section-8 deep base

Buckeye-Shaker

ZIP 44120

$105K–$155K · DSCR 1.30–1.55 · Inner-ring stabilized

Detroit-Shoreway

ZIP 44102

$135K–$195K · DSCR 1.20–1.40 · West-side gentrifying

Old Brooklyn

ZIP 44109

$115K–$165K · DSCR 1.30–1.50 · Stable workforce SFR

West Park

ZIP 44135

$125K–$175K · DSCR 1.25–1.45 · West-side bungalow corridor

WHY CLEVELAND WORKS

Why Cleveland for DSCR Investors

Cleveland is the cleanest DSCR math in the United States right now. The 0.94% rent-to-price ratio at the metro level is the best of any top-15 metro — and in the right neighborhoods, that translates to DSCR 1.4–1.6 at 80% LTV with cushion to spare for tax and insurance.

  • Highest R/P of any top-15 metro — 0.94% at metro median, 1.0–1.6% in green zones
  • Cleveland Clinic, University Hospitals, Sherwin-Williams, KeyCorp anchor employment
  • Section-8 tenant depth via Cuyahoga Metropolitan Housing Authority (14,000+ vouchers)
  • Six validated working-class neighborhoods pencil DSCR 1.25–1.65 at 80% LTV / 7.5%
  • Rent growth ran 4.6% YoY through Q1 2026 — second nationally only to Memphis

Cleveland DSCR Neighborhoods 2026 — read the full market intel →

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Soft credit pull. No income docs. No tax returns. DSCR pre-qual in 24 hours.

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Clean files close in 21-30 days · 80% LTV purchase · 75% cash-out refi

HOW CLEVELAND COMPARES

How Cleveland Compares to Other Top-Tier DSCR Markets

Among top-tier 2026 DSCR markets — Cleveland's 0.94% R/P beats Memphis (0.88%), Birmingham (0.85%), and Pittsburgh (0.80%). The structural drag is Cuyahoga County's 2.0–2.4% effective property tax, overcome through neighborhood selection in the $70K–$150K SFR band.

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DATA SOURCES

Where This Cleveland DSCR Data Comes From

Median price + rent: Zillow ZHVI / ZORI 2026 Q1. R/P derived from ATTOM Data. Vacancy from BLS CEW 2026 Q1. Rent growth from Zillow ZORI 2026 Q1. Property tax from Cuyahoga County treasurer. HUD FMR via huduser.gov. Last refreshed 2026-05-14.

Market data is informational only and does not constitute a loan offer. Verify all subject-property numbers via comparative market analysis before underwriting.

FREQUENTLY ASKED

Cleveland DSCR Lending Questions

Cleveland ranks #1 nationally in the 2026 DSCR scorecard. Rent-to-price ratio is 0.94% — the highest among national tier-1 markets — and employment anchors (Cleveland Clinic, University Hospitals, Sherwin-Williams, KeyCorp) provide a stable wage base. Inventory in working-class neighborhoods (Glenville, Slavic Village, Buckeye-Shaker) remains $70-180K, where DSCR underwrites at 1.30-1.65.

At 7.5% interest and 80% LTV, implied DSCR ranges from 1.20 (Detroit-Shoreway top of range) to 1.65 (Glenville/Slavic Village SFR). The metro average across six green-list zones is 1.42. Duplexes in Buckeye-Shaker and Old Brooklyn frequently underwrite at 1.40–1.55.

Yes — six validated zones: Glenville (44108), Slavic Village (44105), Buckeye-Shaker (44120), Detroit-Shoreway (44102), Old Brooklyn (44109), West Park (44135). Avoid hipster-gentrifying zones (Tremont, Ohio City proper) — prices have outrun rents and DSCR breaks below 1.0.

Standard 20% down (80% LTV) for purchase, 25% for cash-out refi. We can structure 15% down on stronger DSCR ratios (≥1.40) — Cleveland's high rent yields frequently make this work. Loan amounts typically range $60K–$200K matched to Cleveland SFR/duplex inventory.

Start with the DSCR calculator using Cleveland tax and insurance defaults, then book a 15-minute deal-walkthrough call. We pre-qualify with a soft credit pull — no income docs, no tax returns. Pre-qualification in 24 hours. Clean files close in 21-30 days.

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DSCR loans are business-purpose investor mortgages — not consumer mortgages. Terms, rates, and product availability depend on the lender, the property, and the borrower's qualifications. Nothing on this page is a commitment to lend. Verification, not guarantee.