Hard Money Lenders in Philadelphia | Fast Funding for Real Estate Investors

 
R

Our Loans are for Real Estate Investment Properties throughout Philadelphia and the surrounding areas.

R

Hard Money Lenders in Philadelphia Specializing in Real Estate Investment Properties

Submitting your application package is quick and easy.

American Association of private lenders member
Table of Contents
2
3

Philadelphia Hard Money Lenders for Real Estate Investors – Fast Closings, No Income Docs

Understanding Hard Money Loans Philadelphia

What Is a Hard Money Loan in Philadelphia?

A hard money loan in Philadelphia is a short-term financing solution for real estate investors looking to purchase, renovate, or refinance residential or commercial properties. These loans offer fast approvals and flexible terms, making them ideal for fix & flip projects, rental portfolios, new construction, and transitional deals.

Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Located just 45 minutes outside of Philadelphia PA. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans. He is also a real estate investor in NJ and NY.

 

Here’s why Philadelphia continues to attract real estate investors:

Infographic highlighting Philadelphia’s real estate investment potential, including median home price, ARV growth, rental demand, equity-rich properties, and a zip code heatmap of top-performing areas.

Watch this short video to see how Hard Money Lenders Philadelphia HardMoneyMan.com Can help your real estate investing business

Map showing Philadelphia zip codes funded by HardMoneyMan hard money loans including Fishtown, Brewerytown, Fairmount, University City, and South Philly neighborhoods

Loan Programs in Philadelphia

We offer direct funding for:

  • Fix and Flip Loans Finance up to 90% of purchase and 100% of rehab costs. Fast closings and flexible terms.

  • Rental Loans (DSCR) Long-term financing based on property cash flow. No income verification required.

  • New Construction Loans Ground-up funding for builders and developers. Fast draw schedules and scalable capital.

  • Commercial Property Loans Funding for office, retail, mixed-use, and multi-family properties.

  • Bridge Loans Short-term capital for acquisitions, transitions, or refinances.

Top Zip Codes We Fund

We actively fund deals in:

  • 19125 – Fishtown & Olde Kensington

  • 19130 – Fairmount & Art Museum District

  • 19104 – University City & Mantua

  • 19145 – Girard Estates & Point Breeze

  • 19123 – Northern Liberties

  • 19146 – Graduate Hospital & Point Breeze

Our underwriting model considers zip-specific ARV potential, comp velocity, and buyer demand.

Case Studies

 Duplex Flip in 19125

Investor: Mike Loan: $216K Timeline: 9 weeks Profit: $78K

“HardMoneyMan closed in 12 days and funded 100% of my rehab. I’ll be back for my next flip.”

 Ground-Up Build in 19130

Investor: Dana Loan: $680K Project: 3-unit luxury build

“Permits, draws, and inspections were seamless. Sold out in 60 days post-listing.”

Rental Portfolio in 19104

Investor: Tariq Loan: $412K DSCR Assets: Two triplexes

“No tax returns, no delays. Just cash-flow underwriting and fast funding.”

Philadelphia Real Estate Market Highlights

Median Sale Price

$280,000

Oct 2025

Median Days on Market

47

Nov 2025

Homes Sold Above List

25.6%

Sep 2025

Avg Fix & Flip ROI

28.7%

Q3 2024

Avg Fix & Flip Profit

$70,250

Q3 2024

Philadelphia Fix and Flip Loans

Wisconsin-Construction-Loans-HardMoneyMan (1)

Philadelphia Construction Loans

Philadelphia Rental Loans

Philadelphia Multi Family Loans

Promotional graphic with bold red and black text reading "ASSET BASED LOANS – NO CREDIT REQUIREMENTS," highlighting alternative financing options for real estate investors based on property value rather than credit history.

Asset Based Loans in Philadelphia

Bold red text on a black background reads "COMMERCIAL HARD MONEY LOANS" — promotional graphic emphasizing financing for commercial real estate investors.

Commercial Hard Money Loans in Philadelphia

Ready to Fund Your Philadelphia Deal? Click below to get pre-approved in 24 hours.

How can hard money lenders Philadelphia help me further my real estate investing career?

Hard money lenders play a crucial role in advancing your real estate investing career. Here’s how they can help:

  1. Quick Financing: When you spot an excellent investment opportunity, hard money lenders provide rapid access to capital. Unlike traditional banks, which may take weeks to approve a loan, hard money lenders can fund your project within days. This speed allows you to seize time-sensitive deals and beat competitors.
  2. Flexibility: Hard money loans are asset-based, meaning they focus on the property’s value rather than your credit score. This flexibility enables you to secure financing even if your credit history isn’t perfect. As you build your real estate portfolio, hard money lenders become valuable partners, supporting your growth and diversification.

 

What areas in Philadelphia should I invest in as a Real Estate Investor?

As a real estate investor, you’ll find several promising neighborhoods in Philadelphia. Let’s explore some of the top areas for real estate investments in 2024:

  1. Fishtown: Situated along the Delaware River, Fishtown has become a magnet for the city’s young and artistic demographic. With a steady increase in home prices over the past few years, Fishtown is an attractive option for real estate investors.
  2. Brewerytown: Located in North Philadelphia along the Schuylkill River, Brewerytown has garnered attention from investors. Former breweries have been transformed into modern housing, providing residents with proximity to Center City at relatively lower prices.
  3. Olde Kensington: Nestled between Fishtown and Northern Liberties, Olde Kensington has undergone significant revitalization, attracting millennial renters and homebuyers.

Remember to conduct thorough research and consider factors like property values, rental demand, and development projects when making your investment decisions

Why We’re the Best Hard Money Lenders for Investors in Philadelphia

Whether you’re flipping a duplex in Fishtown or building out rentals in University City, we deliver fast, flexible financing that sets us apart as the best hard money lenders for investors in Philadelphia.

Frequently Asked Questions

How fast can I close in Philadelphia?

Most loans close in 7–10 days, with approvals issued in 24 hours.

Do you offer fix and flip loans?

Yes. We provide short-term fix and flip loans with flexible draws and fast closings.

What equity is required for spec home loans?

Builders typically need 20–30% equity, with lot value often counting toward this requirement.

Do you finance rental properties?

Yes. DSCR loans qualify based on rental income, not personal income documentation.

Do you finance multifamily properties?

Yes. We provide loans for 5+ unit apartment buildings across Philadelphia.

Are commercial properties eligible?

Yes. We provide asset-based loans for offices, retail, mixed-use, and industrial properties.

Do you lend to LLCs and entities?

Yes. All programs can be closed in LLCs or other entities.

Is Airbnb or short-term rental income considered?

Yes. Documented short-term rental income can be used for DSCR qualification.

Do you require appraisals?

Depending on deal and collateral, appraisal requirements vary; clear scopes and comps can accelerate approvals.

What is the typical ROI for flips in Philadelphia?

Recent averages show ~29.4% ROI and ~$72,800 gross profit per flip.