Hard Money Lenders Pennsylvania – Fast DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
We fund residential and commercial loans across Pennsylvania, including Philadelphia, Pittsburgh, Allentown, Harrisburg, and Scranton. Close deals quickly with nationwide hard money financing for investors, landlords, and builders.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Our hard money loans in Pennsylvania provide fast, flexible financing solutions for real estate investors looking to scale their portfolios. Whether you’re flipping a single-family home, managing rental properties, constructing a new spec home, or refinancing multi-family assets, we tailor our programs to your project and experience—not just your credit.
With options like fix & flip loans up to 90% purchase + 100% rehab, DSCR rental loans, asset-based programs, and commercial financing, investors can close deals quickly and efficiently. Interest-only payments and flexible draw schedules help preserve cash flow while keeping projects on track.
Backed by decades of experience and a team that handles underwriting, processing, and closing in-house, HardMoneyMan.com LLC ensures that Pennsylvania investors have the certainty and speed needed to succeed in competitive real estate markets.
Why Investors Choose Hard Money Lenders Pennsylvania
- ✅ Experience funding deals across multiple Pennsylvania markets
- ✅ Direct lender – no broker delays
- ✅ Transparent loan terms with no unnecessary bank overlays
- ✅ Asset-based underwriting available at 50% LTV for turnkey properties
- ✅ Focus on deal viability, not box-checking
Pennsylvania Real Estate Case Studies
$240K Flip – Harrisburg, PA
Funded in 7 days. Investor purchased a distressed duplex, renovated with $60K in draws, and sold for $390K.
Fix & Flip – Philadelphia, PA
Purchase Price: $310,000 | Rehab Budget: $85,000 | ARV: $520,000 | Loan Type: Fix & Flip | Closing Time: 9 days. Investor secured funding and exited profitably without bank delays.
Investment Loan Programs in Pennsylvania
Pennsylvania Fix & Flip Loans
Fast-closing loans for investors flipping single-family or 1–4 unit properties in Pennsylvania. Close in as little as 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Pennsylvania Spec Home Construction Loans
Finance the construction of speculative homes with flexible terms. Designed for investors building homes for resale or long-term rental in Pennsylvania.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Pennsylvania 30-Year DSCR Rental Loans
Long-term rental property loans qualifying based on property cash flow, perfect for buy-and-hold investors in Pennsylvania.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Pennsylvania 5+ Unit Multifamily Loans
Financing options for investors acquiring or refinancing 5+ unit residential apartment buildings in Pennsylvania with competitive terms.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Pennsylvania Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without heavy income documentation.
- Fast Closings
- Flexible Loan-to-Value (50% max)
- Ideal for Experienced Investors
Pennsylvania Commercial Hard Money Loans
Financing for commercial real estate investors across Pennsylvania, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
We Lend in:
Philadelphia, Pittsburg, Allentown, Erie, Reading, Scranton, Bethlehem, Lancaster, Levittown, Harrisburg and all cities in Pennsylvania
How Hard Money Loans Work in Pennsylvania
Hard money loans in Pennsylvania are short-term loans secured by real estate. Approval is primarily based on the property value, deal structure, and exit strategy, rather than personal income or tax returns.
Unlike banks, hard money lenders can:
Close in as little as 7–10 days
Fund distressed or non-owner-occupied properties
Lend to LLCs and business entities
Base loan amounts on after-repair value (ARV)
This makes hard money ideal for competitive Pennsylvania markets where speed and certainty matter.
Regional Lending for Pennsylvania Investors
Investors operating across the Northeast often expand into nearby markets. Many Pennsylvania borrowers also invest in neighboring states such as New Jersey, New York, Maryland, and Ohio, allowing portfolios to scale across regional markets with similar demand and price dynamics.
Frequently Asked Questions About Hard Money Loans in Pennsylvania
How do hard money loans work in Pennsylvania?
Hard money loans in Pennsylvania are short-term, asset-based loans used by real estate investors to purchase, renovate, or refinance investment properties. Approval is based primarily on the property value and deal structure rather than personal income or tax returns.
How fast can a hard money loan close in Pennsylvania?
Most Pennsylvania hard money loans can close in 7–10 business days. In competitive markets like Philadelphia, Pittsburgh, and surrounding counties, approvals are often issued within 24 hours.
What types of properties qualify for hard money loans in PA?
Eligible properties in Pennsylvania include single-family homes, 1–4 unit residential properties, mixed-use buildings, small multifamily properties, and select commercial assets located in investor-friendly markets.
Do hard money lenders in Pennsylvania require good credit?
No. Pennsylvania hard money loans are asset-based, meaning credit score is not the primary approval factor. Lenders focus on property value, loan-to-value, exit strategy, and overall deal strength.
How much can I borrow with a Pennsylvania hard money loan?
Loan amounts in Pennsylvania typically reach up to 90% of the purchase price and up to 100% of renovation costs, depending on the property, market, and experience level of the borrower.
Are hard money loans legal in Pennsylvania?
Yes. Hard money lending is legal in Pennsylvania and commonly used by real estate investors for fix and flip projects, bridge financing, and time-sensitive acquisitions.
Can hard money loans be used for properties owned by an LLC?
Yes. Most Pennsylvania hard money loans are closed in LLCs or other business entities, which is standard practice for real estate investors.
What are typical loan terms for hard money loans in Pennsylvania?
Typical Pennsylvania hard money loan terms range from 6 to 18 months with interest-only payments. Extensions may be available depending on project progress and lender guidelines.
Which Pennsylvania markets are best suited for hard money financing?
Hard money loans are commonly used in Philadelphia, Pittsburgh, Allentown, Reading, Harrisburg, Scranton, and surrounding counties where investor activity and resale demand are strong.
When is a hard money loan not a good fit in Pennsylvania?
Hard money loans are not intended for primary residences or long-term owner-occupied financing. They are best suited for short-term investment strategies with a clear exit plan.