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Bridge Loans for Investors in Pennsylvania

What Pennsylvania investors should know, with county data and city pages.

Investor bridge loans in Pennsylvania help buyers of 1-4 unit rental property handle timing gaps, such as buying before selling or closing before a property qualifies for long-term financing. Many investors use a bridge loan to buy or stabilize a property and then refinance into a DSCR loan. These short-term business-purpose loans cost more than permanent financing, so confirm lien position, extension terms and your exit plan before you commit, and keep cash on hand in case the timeline runs long.

Questions about bridge loans for investors in Pennsylvania?

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Pennsylvania transfer taxes: Realty Transfer Tax. Applies to real estate transferred by deed, instrument, long-term lease or other writing; grantor and grantee are jointly and severally liable, and county Recorders of Deeds collect it along with any local transfer tax. Your Loan Estimate or closing statement lists what applies to your deal.

Where the numbers point in Pennsylvania

Counties with the most investor loans with balloon or non-amortizing terms (2024):

CountyInvestor loans with balloon or non-amortizing terms (2024)
Philadelphia County1,116
York County316
Allegheny County312
Delaware County219
Montgomery County159
Lancaster County159
Dauphin County149
Berks County127
Luzerne County98
Northampton County89
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Prefer to talk first? Call (888) 865-8230. Applying is not a loan approval or commitment to lend; programs vary by borrower, property and investor. ClearPoint Mortgage Advisors, NMLS #173855. Properties in FL, NY, NJ, PA, CT and VA only.

Bridge Loans for Investors by city in Pennsylvania

Common questions

Can a bridge loan be used on apartment buildings?

This site covers investor bridge loans on properties with one to four units. Buildings with five or more units use commercial financing, which is a different category with its own lenders and rules. If your project involves a larger building, ask a commercial lending professional about the options for that type of property.

Can a bridge loan use equity from another property I own?

Some lenders will place a lien on a property you already own, or on more than one property, to secure a bridge loan. That can reduce the cash you need but puts more than one property at risk if the exit fails. Ask how each property would be released from the lien when you sell or refinance.

What does bridge to DSCR mean?

Bridge to DSCR describes using a short-term bridge loan to buy or stabilize a rental and then refinancing into a DSCR loan once it is leased. The DSCR loan qualifies the property on its rent compared with the monthly housing payment. Ask about the DSCR lender's standards early so your bridge loan is set up for that refinance.

Other investor loans in Pennsylvania

DSCR loansDSCR requirementsDSCR down paymentAirbnb / STR loansHard money lendersHard money for a primary homeFix and flip loansPortfolio lendersBlanket mortgagesInvestment property loansHELOC on a rentalInvestor cash-out refiSecond home loansInterest-only investor loansPrivate money lenders

Related guides

Bridge Loans for Investors overview · Pennsylvania investor loan overview

  • 2024 HMDA data
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