Pennsylvania Fix and Flip Lenders

Are you flipping residential properties in Pennsylvania? On this page you'll find a list of fix and flip lenders throughout the state. Fix & flip lending is only for residential properties with 1-4 units. We have a separate page for lenders that offer rehab/value-add financing for other property types. The maximum loan-to-after repair value for most lenders in PA is 70%. You typically need some cash for the purchase (10%-20%) and some cash reserves, although 1 lender in Philadelphia offers 100% financing. Scroll down to the Local Lenders section to learn more about them.
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Backflip

Fix and Flip Direct Lender with all-in-one platform providing comps, capital and community to help you scale

$75,000 - $2,000,000
6 to 12 months
10.00% - 13.00%
1.25% - 2.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
Park Place Finance

Nationwide Direct Private Lender for Residential Real Estate Investors

$100,000 - $2,500,000
12 to 23 months
9.99% - 12.99%
1.50% - 3.00%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
7.00% - 12.00%
1.50% - 4.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
LendingOne

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
Stormfield Capital, LLC

Direct Balance-Sheet Lender for Investment Properties

$250,000 - $10,000,000
6 to 36 months
8.50% - 11.99%
0 - 2.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
Pimlico Capital

Direct Lender for Real Estate Investors | Established in 2016

$75,000 - $5,000,000
3 to 360 months
10.50% - 12.00%
2.00% - 3.00%

Local Pennsylvania Fix & Flip Lenders

Here are the fix & flip lenders on our platform that are “local” lenders, based in the Philadelphia metro area…

  1. I Fund Cities
    I Fund Cities provides fast and reliable financing to house flippers throughout Pennsylvania. For most deals, they fund 85% of the purchase price and 100% of the renovation costs, with a 75% maximum after-repair value (ARV). The minimum credit score is 600, and they require borrowers to have completed at least 1 successful flip. They lend 20 other states besides PA. We have visited their office in Downtown Philadelphia.
  2. Rehab Financial Group
    Established in 2010, Rehab Financial Group provides 100% financing for residential fix and flip projects, with a 70% maximum after-repair value (ARV). A down payment is not required, but they require income verification to confirm that the borrower has cash flow to make the interest payments. Additionally, the borrower must have decent credit (640+ FICO), some liquid cash to cover the first phase of the renovation project and enough cash to pay the points and closing costs when the loan funds. Experience is not required, and they welcome newbie investors. Most of their lending is in Pennsylvania and New Jersey, but they lend in 30+ other states. We have visited their office in Rosemont, PA.

Philadelphia Fix and Flip Insights from a Local Lender

We interviewed John Santilli, President of Rehab Financial Group, to learn about fix & flip investing/lending in Philadelphia and other parts of Pennsylvania. Watch the video below, or click here to read the content.

Select a Metro Area

Philadelphia and Pittsburgh are the two main metropolitan areas in Pennsylvania. There are a few lenders on our platform that will only consider properties in the Philly metro area but not Pittsburgh. Select a metro area to filter the search results.

Philadelphia Pittsburgh

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