Where we lend · Pennsylvania (PA)
Investment property financingin Pennsylvania.
Fix & flip, DSCR rental, bridge and construction loans for investors in Philadelphia, Pittsburgh, Allentown and across Pennsylvania. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Pennsylvania,at a glance.
Pennsylvania offers two distinct major markets for real estate investors. Philadelphia, the fifth-largest city in the US, has a massive rental market, strong fix and flip activity, and diverse neighborhood-level opportunities. Pittsburgh has transformed from a steel city into a tech and healthcare hub, with rising property values and strong rental demand from universities and hospitals. The Lehigh Valley (Allentown-Bethlehem) is growing as a logistics and distribution hub. Pennsylvania's mix of urban, suburban, and small-city markets provides options at every price point and investment strategy.
Markets we serve
- Philadelphia
- Pittsburgh
- Allentown
- Erie
- Reading
- Scranton
Why AIRE Lending in Pennsylvania
- Deep experience in both Philadelphia and Pittsburgh investment markets
- Programs designed for Pennsylvania's wide range of property values
- Fast closings for Philadelphia's competitive wholesale and auction market
- DSCR programs suited for PA's strong rental yields, especially in Pittsburgh
- Familiarity with Pennsylvania-specific title and closing requirements
Programs available
What we lendin Pennsylvania.
Loan programs currently available through AIRE Lending in PA.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Pennsylvania licensing and compliance
Pennsylvania does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Pennsylvania lending regulations.
Questions, answered
Lending in Pennsylvania,explained.
Do you lend across all of Pennsylvania?
Yes. We provide lending across Pennsylvania — Philadelphia, Pittsburgh, Allentown, Erie, Reading, Scranton, and all areas in between. Pennsylvania is one of our active markets, with programs tailored for both urban and small-city deal sizes.
What makes Philadelphia a good fix and flip market?
Philadelphia has a large inventory of rowhomes and older properties that are ideal for renovation. Neighborhood-by-neighborhood appreciation creates opportunities to buy in transitioning areas and sell to owner-occupants or landlords. The city's large renter population also supports a strong BRRRR (buy, rehab, rent, refinance, repeat) strategy.
Are Pittsburgh investment properties a good value?
Pittsburgh offers some of the best value in the Northeast. Median home prices are well below the national average, while rental demand is strong from the city's major universities (Pitt, CMU), healthcare systems (UPMC), and growing tech sector. Many investors achieve DSCRs of 1.3+ on Pittsburgh rental properties.
How fast can you close in Pennsylvania?
Most Pennsylvania investment property loans close within 10-14 business days. Philadelphia's competitive market often requires speed, and our ability to close quickly gives investors an edge at auctions and in competitive bidding situations.