DSCR Financing in PA

DSCR Loans in Pennsylvania

Philadelphia row homes, Pittsburgh small multis, and Scranton's ultra-low entry. Pennsylvania is one of the most diverse cash-flow states in the country.

Local Market Context

Investor Markets in Pennsylvania

Philadelphia

Deep Class C cash-flow market with row-home inventory and strong BRRRR scene.

Pittsburgh

Affordable SFRs and small multifamily with steady university and healthcare tenant base.

Allentown

Lehigh Valley growth market with Amazon and logistics tenant demand.

Scranton

Ultra-affordable northeast PA cash flow with some of the country's cheapest inventory.

Harrisburg

State capital with government tenants and steady long-term demand.

Common Properties

What Investors Finance in Pennsylvania

✓Philadelphia row home cash-flow rentals
✓Pittsburgh SFRs and small multifamily
✓Scranton and Wilkes-Barre ultra-cheap cash flow
✓Allentown Lehigh Valley SFRs
✓Section 8 portfolios in Philly and Pittsburgh
✓Harrisburg government-tenant rentals

Property Types

DSCR Property Eligibility

Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.

Refinance options Purchase options

Program Paths

Current DSCR Options in Pennsylvania

Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.

Program 3

Completed Rehab

A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.

Program 1

Small Balance

Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.

Program 7

Low / No FICO, No Minimum DSCR

Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.

80% cash-out can be available in Pennsylvania. Program 3 can reach up to 80% cash-out LTV at 680+ FICO in this state, subject to DSCR, property type, value, loan size, and other overlays.

Pennsylvania DSCR FAQ

Does Get Brick Capital offer DSCR loans in Pennsylvania?

Yes. Pennsylvania is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.

Is Program 7 available in Pennsylvania?

Yes. Program 7 can be available in Pennsylvania for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.

Do I need W-2s or personal tax returns?

DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.

Can I close the loan in an LLC?

Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.

See Your Pennsylvania DSCR Options

No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.

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