Hard Money Loans in Pennsylvania

Looking for fast, flexible financing for your real estate projects in Pennsylvania? Our hard money loans are designed for investors seeking short-term funding for fix-and-flip properties, ground-up construction, or renovation projects.

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Why Choose Us for Hard Money Loans in Pennsylvania

We provide fast, reliable, and flexible hard money loan solutions tailored for real estate investors in Pennsylvania. Whether you’re funding a fix-and-flip, renovation, or new construction project, our team ensures quick approvals, competitive rates, and personalized terms.

Competitive Terms

We offer competitive terms on investment property loans in Pennsylvania. Fix-and-flip loan rates typically range from 10.5% to 11.25% with origination fees between 1.5% and 2.99%. DSCR loans are available at rates from 6.5% to 7.99% with a 1.0% origination fee.

Simple Online Application

Real estate investors can apply online, receive pre-approval, or book a quick call in just a couple of minutes. Getting started is fast and hassle-free.

Quick Turnaround

Our team is ready to assist you. Submit a Quick Application or Pre-Approval, and we’ll respond within 1 business hour. Funding for your project can be completed in as little as 7 days.

Reliable Financing

Integrity and honesty are at the core of our work. When we approve a loan, you can count on closing on time.

Georgia Hard Money Loan Products

Pennsylvania Fix-and-Flip Loans

Financing available for both property purchase and renovation.

  • Loan Amount: $50,000 to $3,000,000
    Interest Rate: 10.5% – 11.25%
    Origination Fee: Starting at 1.5%
    Loan-to-Cost: Up to 90% of purchase price and 100% of rehab costs
    Note: Beginner investors are eligible for fix-and-flip loans

Pennsylvania DSCR Loans

30-year DSCR financing for rental properties.

  • Loan Amount: Up to $2,000,000

  • Interest Rate: 6.25% – 7.99%

  • Origination Fee: Starting at 0%

  • Loan-to-Value: Up to 80%

  • Eligible Properties: Short-term and long-term rentals

Pennsylvania Ground-Up Construction Loans

Financing for new construction projects and building completions.

  • Loan Amount: Up to $3,000,000

  • Interest Rate: 10.99% – 12.25%

  • Origination Fee: Starting at 2.0%

  • Loan-to-Cost: Up to 75% of purchase and 100% of construction costs

  • Maximum LTC: Up to 90%

  • State

    Pennsylvania

  • Loan Type

    Fix and Flip

  • Loan Amount

    $155,000

  • Loan Amount (if applicable)

    90% of Purchase + 100% Of Rehab

  • Rate

    11.00%

  • Points

    2.55%

Pennsylvania Deal Summary

This 3-bedroom, 2-bathroom property in Pittsburgh provided a promising fix-and-flip opportunity in an emerging neighborhood. It was purchased for $125,000, with a rehab budget of $37,500, focusing on cosmetic improvements to update the home. A hard money loan was arranged to cover most of the project costs, helping the investor keep their personal cash investment low.

Key Highlights

  • High Leverage: Funded 90% of the $125,000 purchase price and covered 100% of the $37,500 renovation budget.

  • Competitive Rate: Offered a 12-month loan at 11.00%, keeping holding costs manageable throughout the project.

  • Investor-Friendly Terms: The loan structure reduced the investor’s upfront cash requirements, allowing them to concentrate on completing the rehab efficiently.

Frequently Asked Questions

How Do You Qualify for a Hard Money Loan in Pennsylvania?

To be eligible for a hard money loan in Pennsylvania, borrowers typically need to meet the following requirements:

A minimum credit score of 640 or higher

A strong investment opportunity with at least a 10% return on investment (ROI)

An active LLC or corporation registered in the state of Pennsylvania

Which property types are eligible for hard money financing in Pennsylvania?

Hard money financing in Pennsylvania can be used for several types of real estate investments, such as:

Single-family and small residential properties (1–4 units)

Medium-sized multifamily properties (5–25 units)

Certain commercial real estate projects

What interest rates and loan terms are available for hard money loans in Pennsylvania?

Interest rates for hard money loans in Pennsylvania typically vary based on the borrower’s experience and credit profile. Rates generally range between 10.5% and 11.5%. For fix-and-flip projects, the average rate is around 10.75%, offered as an interest-only loan with no prepayment penalty.

How is the loan-to-value (LTV) calculated for hard money loans in Pennsylvania?

The loan amount is determined using several factors related to the project and investor profile. In general, first-time investors may qualify for financing of up to 80% of the purchase price plus 100% of the renovation costs. More experienced investors can access higher leverage, with financing of up to 90% of the purchase price along with 100% of the rehab budget.

Can a hard money loan be used for rental properties in Pennsylvania?

Yes, a hard money loan can be used to acquire and renovate a rental property in Pennsylvania. Once the property is stabilized, it can be refinanced into a DSCR loan. If the property is already rent-ready at the time of purchase, hard money financing may not be necessary, and you can move directly into DSCR financing.

Best Cities To Invest In Real Estate
In Pennsylvania

Pittsburgh

Pittsburgh, Pennsylvania features a strong and steadily growing real estate market with a wide range of investment opportunities. The city has successfully evolved from its industrial roots into a center for healthcare, education, and technology, drawing a consistent flow of students and young professionals. With relatively affordable home prices and solid rental demand, Pittsburgh is well suited for investors targeting single-family rentals and multifamily assets. Ongoing redevelopment and neighborhood revitalization across the city continue to create attractive opportunities for fix-and-flip projects as well as long-term property appreciation.

Philadelphia

Philadelphia, Pennsylvania offers a vibrant real estate market supported by a diverse economy and consistent rental demand. As one of the largest cities in the United States, it is home to major healthcare systems, universities, and a growing technology presence, which continues to attract students, professionals, and families. A wide range of housing options, along with increasing property values in revitalized areas, provides strong opportunities for investors. With steady population growth and high demand for rentals and renovation projects, Philadelphia remains an attractive market for long-term investment and value appreciation.

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