Pennsylvania DSCR Loan Lenders for Long-Term and Short-Term Rentals

Are you seeking long-term private financing for a residential rental property in Pennsylvania? On this page you'll find a list of lenders that offer these DSCR loans for single family homes, condos, and 2-4 unit rental properties in PA’s urban areas. Some lenders consider vacation rental (aka short-term rental or STR). The maximum loan-to-value is 80%. For a purchase, investors need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score, location and other factors. These loans require a FICO score over 680. The loan terms range from 5 to 30 years.

Pennsylvania is a big state, and some DSCR lenders only consider specific regions. Filter the lender list by selecting a metro area:
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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%
Finance of America Commercial

Residential Real Estate Investment Loans Made Simple

$50,000 - $50,000,000
12 to 360 months
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%
Bayport Funding

Balance Sheet Lender for Residential & Multifamily Real Estate Investors

$200,000 - $6,000,000
12 to 24 months
11.00% - 12.00%
1.25% - 2.00%
Griffin Funding

DSCR Long-Term Rental Loans for Residential Investment Properties

$100,000 - $5,000,000
360 to 360 months
1.00% - 3.00%
Rehab Financial Group

100% Financing for Rehab, Flip and Construction Projects - NO DOWN PAYMENT!

$50,000 - $2,000,000
4 to 12 months
11.88% - 13.00%
2.00% - 4.00%
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%
LendingOne

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

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Nationwide Mortgage

Outstanding Service for Investment Property Bridge, Rehab, Rental, and Construction Loans

$100,000 - $25,000,000
6 to 360 months
1.00% - 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%
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%
ClearEdge Commercial

Solution Oriented. Service Driven.

$100,000 - $2,000,000
12 to 360 months
7.50% - 13.50%
1.00% - 3.00%
Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$75,000 - $2,000,000
12 to 360 months

Pennsylvania DSCR Loan Interest Rates

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According to the loan documents software company, Lightning Docs, the average interest rate for Pennsylvania DSCR long-term rental loans in the 4th quarter of 2023 was 8.76%. The average loan amount was $188,264. These stats are the average of 334 loans funded for residential rental properties in Pennsylvania between October 1, 2023 and December 31, 2023 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.

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