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(813) 303-0808

Fix and Flip Loans Pennsylvania

Rehab Bridge Loan to Flip Houses

Purchase, rehab and flip houses using hard money without ordering appraisals. Secure up to 90% funding for house flipping projects in Pennsylvania.

  • No appraisal
  • No experience required
  • Pre-approval within 24 hours

Close in 5-7 days and get up to 90% financing.

Pennsylvania Fix and Flip Loan Requirements

Here’s how to qualify for fix and flip financing in Pennsylvania:

Eligible Property Types

1-4 unit residential properties, including single-family homes, townhomes, condos, duplexes, triplexes, and quadplexes.

Minimum Loan Amount

$100,000+

Previous Experience

No previous experience is required unless changing the number of bedrooms, expanding square footage, or needing more than $75,000 for rehab costs.

Max 70% ARV

The total project cost including the purchase price and rehab costs should not exceed 70% ARV.

Required Documentation

Documents required to qualify for a house flipping loan.

Minimum Down Payment

Minimum 10% down payment.

Minimum Credit Score

680+

Fix and Flip Loan Terms

No appraisal fix and flip loans for real estate investors to flip houses in Pennsylvania without relying on personal income.

Minimum credit score 680+
Minimum loan amount $100,000+
Purchase financing Up to 90% LTC
Rehab financing Up to 100%
After-repair value Up to 70% ARV
Interest rates Starting at 8%
Loan terms 6 or 12 months

See How Much You Qualify For

  • Secure up to 90% financing
  • Get loan approval within 24 hours
  • Close as fast as 5 days
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FAQs About Fix and Flip Loans in Pennsylvania

Do you work with new investors?

Yes, first-time investors can qualify for up to 85% financing.

What are the requirements for a 90% LTC fix and flip loan?

Investors with at least 5 completed flips in the last 3 years qualify for up to 90% LTC.

Is there a minimum loan amount?

The minimum loan amount is $100,000.

Is there a minimum credit score?

The minimum credit score is 680+

How fast can you close?

If title work is completed, you can close in as fast as 3 days, otherwise 5-7 days.

Is it hard to get a loan to flip a house in Pennsylvania?

No, as long as your purchase price and rehab costs do not exceed 70% ARV.

Is there a prepayment penalty?

There are no prepayment penalties.

Can I extend my bridge loan?

Yes, you can extend or potentially refinance with another bridge loan.

See How Much You Qualify For

Get Started

Our Service Areas

“The Keystone State” has many great cities and towns to invest in. Since Capital Ton does not operate in rural areas, its expertise is focused on these select locations:

Philadelphia | Pittsburgh | Allentown | Erie | Reading | Scranton | Bethlehem | Lancaster | Harrisburg | York | Altoona | Wilkes-Barre | Chester | Williamsport | McKeesport | Carlisle | Hermitage | Lebanon | Easton | Hazleton

Flipping Houses in Pennsylvania

​As of March 15, 2025, the average home value in Pennsylvania was $266,551, reflecting a 4.3% increase over the past year. Homes typically go under contract within approximately 19 days, which is excellent for fix and flippers using hard money. The median sale price is $257,300, while the median list price stands at $266,333. Also, 30.0% of sales have been above the list price, which is excellent for investors who renovate homes.

Pennsylvania saw a 2.5% population increase in 2024, outpacing other neighboring states. Clearly demonstrating higher demand for renovated. The average days on market for flipped homes is hovering around 59 in 2025, highlighting quick turnover times.

Pennsylvania’s economic diversification, from biotech firms in the Philadelphia corridor and robotics start-ups in Pittsburgh, draws higher-earning professionals who require renovated properties.

Pre-approval in just 24 hours without impacting your credit!

Get Pre-Approval Today

Ready to get funding for your fix and flip project in Pennsylvania? Complete the form to receive a loan quote within 1-2 hours.

  • No appraisal required
  • Secure up to 90% financing
  • Close as fast as 5 days

Secure the financing you need, whether you’re a seasoned investor or just starting out. The right financial partner can make all the difference.

Request a Loan Quote

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Capital Ton LLC Logo

Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 24 states, offering tailored financing solutions for fix and flips and rental properties. Capital Ton delivers flexible loan options with competitive rates and maintains a commitment to transparency and integrity.