Licensed & LendingHard Money & DSCR Loans in Pennsylvania
Capital Kings funds Pennsylvania investor loans. Hard money, DSCR, and bridge across Philadelphia, Pittsburgh, and the PA secondary markets. PA covers two distinct investor playbooks: Philly's flip market and Pittsburgh's cash-flow market.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Pennsylvania Deals
Philadelphia flip volume is huge and our lender network includes Philly-experienced shops that know the neighborhoods (Fishtown, Brewerytown, Point Breeze, West Philly). Pittsburgh trades like a Midwest cash-flow market. Affordable, stable yields, strong DSCR underwriting. Our lenders fund both ends of the state.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Pennsylvania fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Pennsylvania buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Pennsylvania growth corridors specifically.
Active Markets
Cities We Fund Across Pennsylvania
Active lending across Pennsylvania's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Pennsylvania Investors
Philadelphia neighborhood-aware fix-and-flip
Available statewide for Pennsylvania investors.
Pittsburgh DSCR rentals priced for cash flow
Available statewide for Pennsylvania investors.
Bridge financing for PA multifamily
Available statewide for Pennsylvania investors.
Ground-up new construction in growth corridors
Available statewide for Pennsylvania investors.
Common Questions
Pennsylvania Lending FAQ
Do you lend hard money loans in Pennsylvania?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Pennsylvania through our 270+ lender network. We close Pennsylvania deals in as little as 7 days.
What cities in Pennsylvania does Capital Kings lend in?
We fund investor loans statewide in Pennsylvania, with active deal flow in Philadelphia, Pittsburgh, Allentown, Erie, Reading and the surrounding metros.
Do you offer DSCR rental loans in Pennsylvania?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Pennsylvania on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Pennsylvania hard money loan close?
Most Pennsylvania fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Pennsylvania fix-and-flip loan?
As little as 0% down on the right deal. Most Pennsylvania hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Pennsylvania can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Pennsylvania Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Pennsylvania deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Pennsylvania deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Pennsylvania are originated by partner lenders licensed to lend in Pennsylvania. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.