Also on a national level you have Lima One and Visio that do they types of loans at pretty decent rates.  

I've looked into other suggested HML from bigger institutions (Lima, Lending Home, Coventus, etc) but have run into a combination of problems from not having a LLC, the loan amount not being big enough, or the high points/interest rates that'll throw some of the numbers off. 

(Lima One Capital and Iron Bridge Lending).Looking forward to making some good connections here! 

Though not a New Jersey company....but I've heard that Lima One Capital is good for hard money lending.

starting out you can't focus on 1 point being too high.. its all about building track record.now I personally have a few loans from other institutions of other than my commercial bank.so lets set that expectation.. full doc  long track record.. hundreds of projects in the last few years all verifiable by public records.. and at my commercial bank in SC  I am at 1. and 5.5  and only pay interest on drawn funds.in Oregon I am at 1 and 6%  again only interest on drawn funds.when I borrowed a few million from lendinghome  for some texas deals ( that were bummers never again) I was at 1 and 8 but paid on commitment. doing a vertical right now in Charleston ( these are quite hard to get and first timers probably cant get one unless they are extremely high wage earners)  but Lima one is doing this for 1.5% and 8  with a 3% rate on un drawn funds..

I am interested in multi-family homes in Northwest Ohio (Lima area). 

How is the market in Lima, OH?

My fiancé is from Lima, OH, and I am from a little town called St.

You could also look into national SFR lenders such as Lima Capital and Corevest. 

@Joel Gierbolini like I suggested earlier, I have one with finance of America commercial.You also have most of the large hard money lenders that do them...Lima OneLending One5 arch fundingCorevestVisioThere are certainly more, those are off of the top of my head