DSCR Loans in Oberlin, Ohio

Here's the local picture for a DSCR-financed rental in Oberlin, Lorain County, Ohio.

Oberlin at a glance

County: Lorain County
Population: 8,555 (2020 Census)
Type: City

Home values and rent in Oberlin

Countywide, Lorain County's median home value is $223,200 (ACS 2020-2024 5yr) — a Oberlin-specific figure isn't independently published, so this reflects the whole county, not Oberlin alone. Countywide, Lorain County's median gross rent is $966/mo (ACS 2020-2024 5yr) — again, a county figure standing in for a Oberlin number we don't have.

The county tax-drag math applies here

Oberlin sits in Lorain County, where the effective property tax rate is 1.22% — below Ohio's 1.36% statewide average. The full worked PITIA and DSCR example, built on a property at the county's median value, is on the Lorain County page — here's the tax line specifically for a property at Oberlin's own numbers:

Property value used: $223,200 (countywide)
Lorain County effective tax rate: 1.22%
Estimated monthly property tax: $227

That estimate uses an observed Ohio DSCR average of 7.20% (Q2 2026)¹ elsewhere in the full county example — this is a market observation, not an offer; your rate depends on your DSCR, credit, LTV and loan purpose, and is set by the lender, not by us.

Get your Oberlin DSCR quote

Median figures are a starting point, not a quote. See what lenders offer on a specific Oberlin rental.

Compare DSCR quotes for an Oberlin property →

Sources for this page

Wikipedia, "List of municipalities in Ohio" (population, 2020 Census) — https://en.wikipedia.org/wiki/List_of_municipalities_in_Ohio
CostByCounty, "Cost of Living in Ohio by County" (Lorain County median home value, county-fallback) — https://costbycounty.com/ohio
Private Lender Link (Ohio DSCR rate average, Q2 2026) — https://privatelenderlink.com/region/usa/ohio/residential-long-term-rental-ohio-usa/

Last updated 2026-08-25. Figures are refreshed periodically from the sources above, each with its own as-of date.