Where We Lend

Hard Money & Rental Loans in Pennsylvania

Philly rowhouses to Pittsburgh multifamily.

Pennsylvania is a two-market state for investors, and we lend across both. In Philadelphia, we've funded hundreds of rowhouse flips and BRRRR deals from Point Breeze to Fishtown. In Western PA, we underwrite small multifamily and workforce rentals in Pittsburgh, Allegheny County, and the surrounding Mon Valley. We know Philly's L&I process and Pittsburgh's hillside quirks.

Get a Quote for a Pennsylvania Deal Call (410) 855-4600
Philadelphia skyline along the Schuylkill River
Philadelphia, PA
$120M+Deployed in PA
2Distinct metros we know cold
67Counties eligible
Loan Products Available in Pennsylvania

What We Fund Here

Both of our core products are available statewide to investors and entities (LLCs, corps, trusts). No owner-occupied loans.

Short-term

Bridge & Fix-and-Flip

  • Up to 90% of purchase, 100% of rehab
  • 6–18 month terms, extensions available
  • Close in as little as 5–7 business days
  • $75K minimum, $3M maximum
Bridge loan details →
Long-term

30-Year Rental (DSCR)

  • Up to 80% LTV on purchase or rate & term refi
  • 30-year fixed amortization
  • No personal income documentation
  • $75K – $1.5M per property, portfolio loans available
DSCR rental details →
Markets We Cover

Cities & Counties We Know

Where Pimlico Capital has an active book and on-the-ground knowledge in Pennsylvania.

Philadelphia

Point Breeze, Fishtown, Kensington, Brewerytown, Strawberry Mansion, Mantua, Francisville, Grays Ferry. Rowhouse rehab and new-infill.

Philly Suburbs

Delaware, Montgomery, Chester, Bucks counties: higher-price-point flips and rentals.

Pittsburgh Metro

East End, Lawrenceville, North Side, Hazelwood, McKees Rocks. Rehab and small multi.

Lehigh Valley

Allentown, Bethlehem, Easton: strong industrial-demand rental market.

Local Expertise

What we actually know about Pennsylvania

A non-exhaustive list of the state- and city-specific things we deal with every day.

  • Philadelphia L&I permitting and zoning (RSA-5, RM-1).
  • Philadelphia tax-sale and sheriff-sale acquisition strategies.
  • Pittsburgh hillside/slope title and engineering issues.
  • Pennsylvania's non-judicial mortgage vs. judgment structure.

Why local knowledge matters

A national lender with a call center won't know that a Baltimore rowhouse needs a ground-rent redemption, or that Charleston STR zoning has three tiers. We've closed thousands of deals — and we've hit (and learned from) every local curveball.

See real deals →
Common Questions

Pennsylvania Lending FAQ

Do you fund Philly rowhouse flips?
Constantly. It's one of our busiest submarkets. We know the neighborhoods and can move on short timelines.
Will you lend in Pittsburgh?
Yes, across the entire Pittsburgh metro including hillside properties (with appropriate engineering).
Do you lend on 2-4 unit rentals in PA?
Yes, on our 30-year DSCR program. Very popular for Philly and Pittsburgh duplexes and triplexes.
How It Works

From first call to funded.

1

Submit the deal

Get a quote online or call us. We'll size the deal in 24 hours.

2

Underwriting

Our in-house team underwrites with local knowledge, not a scoring algorithm.

3

Close & fund

5–10 business days for bridge, 3–4 weeks for 30-year rental.

Ready to close a deal in Pennsylvania?

Get a quote in 24 hours or call us right now.

Get a Quote Call (410) 855-4600

We Also Lend in Neighboring States

New YorkNew JerseyMarylandOhioDelaware
Explore More Markets

Other states we lend in

MarylandMDVirginiaVANew JerseyNJDelawareDEGeorgiaGAFloridaFLNorth CarolinaNCSouth CarolinaSCIndianaINAlabamaALNew YorkNYOhioOH
© Pimlico Capital . All rights reserved.