Close as fast as 3 days with no appraisal and get up to 90% financing.
Flexible Terms for Pennsylvania Fix and Flip Loans
Flexible loan terms are essential for Pennsylvania real estate investors to win bids against other flippers. Each deal brings unique challenges, from seller demands to liquid cash limitations. With flexible options, investors can adjust bids or financing terms to better match each project’s needs.
| Credit score | Minimum 680 |
| Loan amount | Min $100,000 |
| Purchase financing | Up to 90% LTC |
| Rehab financing | Up to 100% |
| After-repair value | Up to 75% ARV |
| Interest rate | 8.5%-11.4% |
| Terms | 6 and 12 months |
Minimum Documentation
Capital Ton LLC specializes in low-doc and no-doc fix and flip loans in Pennsylvania. No tax returns, W-2’s or personal income.
- Driver’s license or state ID
- Articles of organization
- LLC operating agreement
- EIN letter
- 2 months of bank statements
Fast Closings
Since there is no appraisal, you can close in as little as 3 days after you submit the loan application, business entity docs, rehab budget and photos.
No Prepayment Penalties
Pennsylvania fix and flip loans have no prepayment penalties.
What’s the minimum credit score for Pennsylvania fix and flip loans?
680 is the minimum credit score for fix and flip financing.
Is flipping experience required?
No previous experience is required to get a loan for flipping houses in Pennsylvania. However, a borrower track record will get you qualified for higher leverage.
Does Capital Ton LLC work with first-time investors?
Yes, first-time real estate investors can qualify for up to 85% financing for fix and flips in Pennsylvania with no experience.
Is an appraisal required for fix and flip loans?
No, an appraisal will not be required or ordered by Capital Ton.
Does rehab cost financing incur interest?
Unlike other hard money lenders, you will not be charged interest on rehab costs until you submit a rehab draw request.
Is a business entity required?
Yes, a legally registered business entity is required for fix and flip financing or any business purpose loans for flipping.
Is it hard to get a loan to flip a house in Pennsylvania?
No, when the combined purchase price and rehab costs are below 70% ARV and your credit score is 680+, then it’s easy to get approved.
Is Pennsylvania good for house flipping?
Pennsylvania is an ideal market for fix and flip investors primarily due to its urban inventory. The state has a significant number of older homes that present lucrative opportunities for renovation and resale at higher values. Pennsylvania also has a stable rental market, providing investors with an alternative exit strategy if the flip doesn’t sell immediately.
Request a Loan Quote
- No application fee
- No credit pull for loan quote
- No appraisal
- Secure up to 90% financing
- Close as fast as 3 days
When you have a property under contract, you need a financing partner with experience, one who can offer a fast closing and high leverage.
You want to keep as much of your liquid cash as possible and close quickly. We understand what’s important to you.
Fix & Flip Loan Quote Request
Fix and Flip Loans Pennsylvania Program: Eligible Cities
The following cities and towns qualify for the fix and flip loans Pennsylvania program. Although “the Keystone State” has many vibrant communities, Capital Ton’s expertise is focused on these select locations.
- Philadelphia, PA
- Pittsburgh, PA
- Allentown, PA
- Erie, PA
- Reading, PA
- Scranton, PA
- Bethlehem, PA
- Lancaster, PA
- Harrisburg, PA
- York, PA
- Altoona, PA
- Wilkes-Barre, PA
- Chester, PA
- Williamsport, PA
- McKeesport, PA
- Carlisle, PA
- Hermitage, PA
- Lebanon, PA
- Easton, PA
- Hazleton, PA