Hard Money Lenders in Philadelphia | Fast Funding for Real Estate Investors
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.
Here’s why Philadelphia continues to attract real estate investors:
Watch this short video to see how Hard Money Lenders Philadelphia HardMoneyMan.com Can help your real estate investing business
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
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:
- 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.
- 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:
- 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.
- 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.
- 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.