Philly Coverage

Hard Money & DSCR Loans in Philadelphia

Rowhouse investors, BRRRR strategies, and Section 8 holds — we fund them all across Philly.

Pimlico Capital funds bridge and 30-year DSCR rental loans across Philadelphia. The city's deep rowhouse inventory and rising rents make it one of the strongest fix-and-flip and BRRRR markets on the East Coast. We close in as little as 5 business days, with no personal income verification on bridge and no W-2 docs on DSCR.

Get a Quote for a Philadelphia Deal Call (410) 855-4600
Philadelphia city skyline
Philadelphia
5 daysTypical close on Philly bridge deals
70% LTVUp to, with 100% rehab funding
10+Philly neighborhoods we fund regularly
Loan Products Available in Philadelphia

What We Fund Here

Both of our core products are available in Philadelphia 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 →
Neighborhoods We Know

Philly Neighborhoods We Fund

Active book and on-the-ground knowledge — fix-and-flip, BRRRR, and 30-year DSCR holds across Philadelphia.

Fishtown

One of Philly's most active fix-and-flip markets. Tight rowhouse stock, strong young-professional demand, reliable ARVs.

Northern Liberties

Mature flip and rental market north of Center City. Solid resale ceilings and consistent investor activity.

Point Breeze

South Philly value-add territory. Rising ARVs and a steady BRRRR pipeline.

Brewerytown

Active gentrifying market with strong rent-to-price spreads. Great for both flips and DSCR holds.

Kensington

Block-by-block underwriting matters here. We know which streets work and which don't.

West Philadelphia

Wide range of investor strategies — from University City DSCR rentals to value-add flips further west.

South Philadelphia

From Passyunk to FDR Park. Tight rowhouse comps, strong rental demand, multiple investor strategies.

Germantown & Mt. Airy

Northwest Philly rental territory. Historic stock, larger lot sizes, DSCR sweet spot.

Manayunk

Walkable, transit-adjacent. Mix of rehab and DSCR rental holds.

Port Richmond

Emerging fix-and-flip market just north of Fishtown. Earlier-stage deal sizes, strong rent-to-price ratios.

Local Expertise

What we actually know about Philadelphia

A non-exhaustive list of the Philadelphia-specific things we deal with every day.

  • Philadelphia's L&I permit process — which projects need full plans vs. an over-the-counter permit.
  • Use Registration Permits for DSCR rental holds — how to underwrite around the timeline.
  • Section 8 voucher payment standards by neighborhood (and how they affect DSCR).
  • Sheriff sale and tax-sale acquisitions — how to finance them.
  • Historic district overlays in Old City, Society Hill, and beyond.
  • Rowhouse rehab quirks — party walls, basement waterproofing, slate roof tear-offs.

Why local knowledge matters

A national lender with a call center won't know that a Philadelphia deal has its own underwriting quirks. We've closed thousands of deals across our footprint — and we've learned from every local curveball.

See real deals →
Common Questions

Philadelphia Lending FAQ

Do you lend in Philadelphia?
Yes. Philly is one of our most active markets outside of Maryland. We fund both bridge / fix-and-flip and 30-year DSCR rental loans across the city.
How fast can you close a hard money loan in Philly?
We've closed bridge loans in Philadelphia in as little as 5 business days. We move faster than out-of-state lenders because our process is in-house end-to-end.
Do you fund deals in Kensington and other block-by-block neighborhoods?
Yes — but we underwrite block-by-block, not at the neighborhood level. If you have comps that work and an exit that's realistic, we can fund it.
Can I finance a Section 8 rental in Philly with a DSCR loan?
Absolutely. Our 30-year DSCR program is a strong fit for stabilized Section 8 properties citywide. We qualify on rental income, not your personal W-2.
Do you fund rehab projects that need L&I approvals?
Yes. We routinely fund projects with active L&I permit applications. Our draw process accommodates the inspection cadence.
What's the minimum and maximum loan size for Philly deals?
Bridge loans run from $75K to $3M. DSCR rentals run from $75K to $1.5M per property, with portfolio loans available for larger holdings.
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 market knowledge, not a scoring algorithm.

3

Close & fund

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

Investor Education

From the Blog

Investor playbooks — bridge, DSCR, BRRRR, and rehab fundamentals — from our team. See every market we serve on our Where We Lend page.

Ready to close a deal in Philadelphia?

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

Get a Philadelphia rate Call (410) 855-4600

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