HARD MONEY LENDER PENNSYLVANIA

Yes, we fund investors across Pennsylvania, from Philadelphia and Reading in the east to Pittsburgh and Erie in the west, plus the Lehigh Valley around Allentown. Loan Goat is a direct lender based in San Diego using its own capital, which is why terms come back in hours instead of weeks. All of our lending is business purpose and non-owner-occupied. Call and describe the deal.

Rowhome rehab is bread and butter for us. The fix and flip program funds the purchase and the construction draws on one note, and bridge covers you at up to 75% LTV if you need speed more than leverage. Party walls, shared roofs and tight Philadelphia County lots are normal collateral, not red flags. Send the scope, the comparable sales and your exit.

Small multifamily is one of the most common requests coming out of Allegheny County. Triplexes and fourplexes in Lawrenceville or Bloomfield fit either bridge or the rental property program, depending on whether you are stabilizing or holding. DSCR underwriting looks at the rent roll instead of your returns, and interest-only payments keep the monthly payment light while you lease the building up.

Erie, Reading, Allentown and the counties around them get exactly the same programs as Philadelphia. A smaller market value does not disqualify a deal, because we size against the property and the exit rather than a metro tier list. A bridge loan can close in as fast as 3 days when the file is clean and the title work is simple.

Credit is reviewed, but the property carries the decision. These are business-purpose loans on non-owner-occupied real estate, underwritten to value, exit and the strength of the deal. Investors turned down by a bank for self-employment, a recent event on file or thin documentation are routine business here.

Bridge money runs from 9.00% to 13.00% and moves with leverage, property type, exit and experience. Rental loans price lower because the property carries the debt, from 6.50% on the Non-QM tier. Every quote is written before an appraisal is ordered, so you are never chasing a number that changes at the closing table.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.