Your Trusted Hard Money Lender in Pennsylvania

Pennsylvania

Pennsylvania is the 2nd state of the union and one of the 13 original states. Harrisburg is the capital city of Pennsylvania. The state ranks 33rd in landmass, 5th in population, and 9th in population density. Pennsylvania is classified as a Middle Atlantic state and has navigable rivers including the Delaware, Ohio, Potomac, and Pine Creek. Our hard money lending services in Pennsylvania are designed to meet the unique needs of investors in this dynamic region.

Quick Stats:

  • Population: 1.28 core people
  • Median Household Income: $61,744
  • Population Density: 283.9 people/square mile
  • Median Home Sale Price: $251,241
  • Median Price to Rent: $1,774
  • On average, home value has gone up about 14.6% over the past year.

Lending in Pennsylvania

Onyx Capital Lending is fully licensed and actively lending in Pennsylvania, providing business-purpose capital for real estate investors statewide. We fund fix & flip, DSCR, bridge, multifamily, and new construction loans, with closings in as few as 14 days. With strong rental demand in markets like Philadelphia and Pittsburgh and steady investor activity in suburban corridors, Pennsylvania offers multiple paths to profitable acquisitions and value-add plays.

Sample Deal

Philadelphia, PA - SFR Fix & Flip: $625,000 loan amount at 70% LTV, funded in 12 business days for a distressed rowhome acquisition and rehab. The borrower needed speed to beat a competing cash offer and close before the seller relisted. No tax returns and no income verification required - we underwrote the asset, the exit, and the experience.

Pennsylvania FAQs

Is Pennsylvania a judicial or non-judicial foreclosure state?

Pennsylvania is generally a judicial foreclosure state, meaning the lender typically must file a lawsuit to foreclose. Timelines vary by county and whether the case is contested, but investors should plan for the process to take several months or longer in many situations.

What are common investor markets and property types in Pennsylvania?

Philadelphia and Pittsburgh remain two of the most active markets for SFR and small multifamily value-add deals, with strong rental demand near major job centers and universities. Investors also target suburban corridors and secondary cities for affordable entry points and stable tenant demand.

How does Pennsylvania handle evictions for nonpayment?

Pennsylvania uses a court process for evictions, typically starting with a notice and then a landlord-tenant complaint filed with the local magisterial district court. Exact timelines vary by county, but investors should budget time for court scheduling and potential tenant appeals before regaining possession.

All our finance programs support the following investment options. For a complete list, please visit our loan program page:

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Onyx Capital Lending is a private real estate lender licensed under NMLS #2123236. Richard Morency, NMLS #1987012. We specialize in hard money lending in Pennsylvania and across 48 states. All loans are for business-purpose investment properties only. Onyx Capital Lending does not offer consumer mortgage loans or loans for owner-occupied residential properties. Loan approval is subject to underwriting review, property valuation, and applicable state regulations. Rates, terms, and availability are subject to change without notice. Lending is available in 48 states; not available in all states.