Hard Money Lenders in Pennsylvania 2025
Pennsylvania is one of the best states for real estate investors seeking hard money loans. With major markets like Philadelphia, Pittsburgh, Allentown, and dozens of mid-sized cities offering strong rental demand and fix-and-flip opportunities, PA lenders are active and competitive.
Best Hard Money Lenders in Pennsylvania
| Lender | Rates From | Max LTV | Min Credit | Close Time |
|---|---|---|---|---|
| RCN Capital | 8.75% | 85% | 620 | 10 days |
| Kiavi | 9.25% | 90% LTC | 640 | 7-10 days |
| Lima One Capital | 9.75% | 75% ARV | 600 | 14 days |
Pennsylvania Hard Money Loan Requirements
Pennsylvania has no special licensing requirement for hard money lenders on commercial or investment property loans. Most lenders require a minimum 600 credit score, proof of property value via appraisal or BPO, and a clear exit strategy (refinance or sale).
Top Markets in Pennsylvania for Fix and Flip
- Philadelphia — Strong rental demand in neighborhoods like Kensington, Fishtown, and West Philly. Average flip profit $45,000–$80,000.
- Pittsburgh — Rust Belt revival with improving values. Strong BRRRR market in the South Side and Lawrenceville.
- Allentown / Lehigh Valley — Growing market with lower entry prices and proximity to NYC/Philly.
- Reading & Harrisburg — Value-add opportunities with lower competition and motivated sellers.