Do you finance Philadelphia rowhomes, triplexes, and small multifamily?

Yes. Philly rowhomes and 2–4 unit conversions in neighborhoods like Fishtown, Point Breeze, Brewerytown, and West Philly are a core part of our Pennsylvania book. We finance vacant rehab-ready shells with a bridge loan and stabilized rentals with a 30-year rental loan — with NO DSCR required on 1–4 units.

How does Philadelphia's Certificate of Rental Suitability and 10-year tax abatement affect financing?

Philadelphia requires a Certificate of Rental Suitability before you can legally collect rent. We don't require it at closing, but you'll need it to occupy tenants. We do underwrite to the actual post-abatement tax bill on properties with 10-year abatements so your cash flow is realistic once the abatement expires.

Do you finance rentals near Pittsburgh's Eds and Meds employers?

Yes. Pittsburgh neighborhoods anchored by UPMC, Highmark, Pitt, and Carnegie Mellon — Squirrel Hill, Shadyside, Oakland, Bloomfield, Lawrenceville — see steady tenant demand from students, residents, and medical professionals. We finance single-family and small multifamily throughout the metro.

Do Pennsylvania's Act 91 and mortgage foreclosure rules affect your loan structure?

Pennsylvania is a judicial foreclosure state with mandatory Act 91 pre-foreclosure notice for owner-occupied loans. Our loans are business-purpose only, secured by non-owner-occupied investment property, so Act 91 consumer protections do not apply — but we still structure Pennsylvania loans to comply with the state's commercial mortgage and lien recording requirements.

Philadelphia skyline with historic brownstones and downtown investment properties

Pennsylvania Investment Property Loans

Financing for Pennsylvania real estate investors. Rental, commercial, and bridge loans with same-day approval and 13-day closings.

Rental, Commercial & Bridge Loans

We Underwrite the Property, Not Its Income

75% LTV, up to 90% CLTV with Seller Carry

Same-Day Approval Available

Close in 8–13 Business Days

Have a deal in mind? You bring the deal - we'll tell you if it fits.

Want to See Your Financing Options?

Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.

170+ Pennsylvania properties financed for investors

Loans Closed

0 yrs

Track Record

0 days

Avg. Close

Max CLTV

Member & Affiliated American Association of Private Lenders

Florida Association of Mortgage Professionals

Pennsylvania-focused asset lending since 2001. We know this market.

Pennsylvania Investment Property Financing

Built for Investors Like You

Pennsylvania investors get straightforward terms and fast closings.

30-Year Fixed & Bridge Options

Rental & Bridge Loans

1-5 Unit Residential Properties

NO DSCR required or income verification

No tax returns required

Close in 8–13 business days

Loan amounts: $100K – $5M

Up to 90% CLTV (purchase) | 70% LTV (cash-out)

30-year fixed & bridge options available

Property Types

Single-family homes, duplexes, triplexes, fourplexes, small multifamily

Flexible Commercial Terms

Commercial & Mixed-Use

1-5 Unit Properties

Mixed-use buildings with residential units

Retail, office, industrial properties

NO DSCR required on qualifying properties

Loan amounts: $100K – $5M

70% LTV (cash-out) | 90% CLTV (purchase)

13-day closings

Flexible deal terms

Property Types

Mixed-use buildings, retail spaces, office buildings, industrial properties

Simple Documentation

Required Documents

Purchase contract or current mortgage statement

Photo ID

Corporate docs (if held in entity)

Property insurance (at closing)

That's it. No Tax Returns, No Bank Statements, No Employment Verification

Seller Carry Allowed: Up to 90% CLTVBring 10% down. Seller carries a second. Most lenders won't touch this.

You've Probably Been Through This Before

Boxes to check. Ratios to hit. And somewhere along the way, the deal just... stalls.

What You've Probably Heard

"Your DSCR doesn't qualify"
"We need a higher credit score"
"Send us two years of tax returns"
"We'll get back to you in a few weeks"
"We can't move forward right now"

How We Look at It

We start with the property itself
Credit history doesn't disqualify you
No tax returns or bank statements needed
You'll hear back within an hour
We understand Pennsylvania's diverse metro and rural markets
A clear answer, either way

Sound different? Send us your Pennsylvania deal and find out in an hour.

Recently Closed in Pennsylvania

Philadelphia, PA – Investment Property Purchase

$285,000

Purchase Price

$214,000

Loan Amount

11 days

Closed in

620

Credit Score

Row home investment

No employment verification

Closed in business entity

📝 Want to see what your loan would look like? Get a same-day term sheet tailored to your Pennsylvania property.

Frequently Asked Questions - Pennsylvania Investment Property Loans

Have more questions about Pennsylvania investment property financing?

Loan Programs for Pennsylvania Investors

Choose the program that matches the property and financing need.

Rental Property Loans

Purchase or refinance eligible non-owner-occupied 1–4 unit rental properties.

View loan program →

Bridge Loans

Short-term financing for purchases, refinances, and maturing investment-property debt.

View loan program →

Multifamily Loans

Purchase or refinance eligible apartment properties with five or more units.

View loan program →

Commercial Property Loans

Financing for eligible office, retail, mixed-use, industrial, and warehouse properties.

View loan program →

Ready to Finance Your Pennsylvania Property?

Whether you are purchasing or refinancing, we will give you a clear answer fast. No runaround, no paperwork overload. Just investor-focused financing that works.

Specialized financing solutions for Pennsylvania real estate investors seeking fast, flexible funding options. Expert Pennsylvania market knowledge since 2001.

🏠 Pennsylvania Rental Loans →🌉 Pennsylvania Bridge Loans →🏢 Pennsylvania Commercial Loans →🌍 Foreign National Pennsylvania Loans →

Serving Pennsylvania investors in: Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, Bethlehem, Lancaster, Harrisburg, Altoona, York, Wilkes-Barre, Chester, State College, King of Prussia, Norristown, Levittown

Specialized Pennsylvania markets: Pennsylvania bridge loans | Pennsylvania multifamily property financing | Pennsylvania commercial real estate loans | Pennsylvania bridge loan specialists | Pennsylvania rental property refinancing

Core loan programs: Pennsylvania investment property loans | rental property loans Pennsylvania | Pennsylvania commercial property loans | NO DSCR required loans Pennsylvania | direct lender Pennsylvania real estate | bridge loans for investors in Pennsylvania

Note: Loan terms, rates, and availability subject to underwriting approval and may vary by Pennsylvania location.