DSCR and Hard Money Loans in Pennsylvania
Financing for real estate investors buying, renovating and renting in Pennsylvania.
- DSCR, fix and flip and portfolio loans
- No income documentation for DSCR; most borrowers have 660+ credit, lower scores reviewed case by case
- $75,000 to $5 million
Loans for Pennsylvania investors
Pennsylvania is one of our busiest states, with investors buying and renovating everything from Philadelphia rowhomes to rentals in Pittsburgh, Harrisburg and York.
- DSCR rental loans: 30-year fixed (or 40-year) loans for long-term and short-term rentals, qualified on the property's rent instead of your income. No tax returns or pay stubs; approval needs a valid ID, 2 months of bank statements and a soft credit pull. Most borrowers have 660 or higher; lower scores are reviewed case by case.
- Fix and flip loans: short-term loans to buy and renovate, with rehab money released in draws as the work gets done. No experience required.
- Portfolio loans: put two or more Pennsylvania rentals (or rentals across several states) under one loan and one payment.
Loans from $75,000 to $5 million, to individuals, LLCs, corporations or trusts.
Where we lend in Pennsylvania
Statewide, including Philadelphia, Pittsburgh, Allentown, Reading, Harrisburg, York, Lancaster, Scranton and Erie.
By the numbers: in 2024 Census data, Pennsylvania's median rent was $1,252 a month and its median home value was $277,600, a gross rent yield of 5.4% (14th highest of the 50 states and DC). Compare every state on our rent vs. home price by state page.
Buying in Pennsylvania from out of state?
Many of our Pennsylvania borrowers live somewhere else. DSCR loans qualify on the property's rent, so where you live and work doesn't change the approval. Close in your LLC, and our team handles the busy work: gathering documents, chasing the appraisal and keeping you updated through closing.
Common questions
Do you lend in Pennsylvania?
Yes, statewide. Pennsylvania is one of the states where we close the most loans.
Can I close a Pennsylvania loan in my LLC?
Yes. Individuals, LLCs, corporations and trusts. Expect to personally guarantee the loan; that's standard.
What credit score do I need for a DSCR loan in Pennsylvania?
Most borrowers have 660 or higher. Lower scores are reviewed case by case.
How fast can you close?
DSCR loans in as little as 10 days, typically 3 to 4 weeks. Fix and flip loans in as little as 5 days.
Do you lend in other states too?
Yes. Every state except Alaska, Hawaii, Nevada, North Dakota, South Dakota and Vermont.
Have a Pennsylvania deal? Let's talk it through.
Get a quote online or call our team.
