DSCR & Investment Property Loans in Pennsylvania

Lenders made 20,911 loans on investment properties across the Pennsylvania counties in our data in 2024, 12,385 of them purchases, plus 2,676 loans on second homes. This page covers the Pennsylvania rules investors ask about, every loan type by state and city pages for 270 cities and towns.

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Pennsylvania rules and records for investors

Mortgage licensing: Pennsylvania Department of Banking and Securities
Landlord-tenant law: The Landlord and Tenant Act of 1951. Pennsylvania's main landlord-tenant statute, covering leases, recovery of rent, security deposit (escrow) rules, and recovery of possession.
Short-term rental tax registration: Hotel Occupancy Tax on short-term rentals. Anyone renting out property for lodging to the same person for "less than 30 days" must collect and remit Pennsylvania hotel occupancy tax to the Department of Revenue, including rooms, apartments and houses booked through online or third-party brokers.
LLC and business entity filings: Pennsylvania Department of State, Bureau of Corporations and Charitable Organizations.
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.
Contractor licensing: Home Improvement Contractor Registration. The Home Improvement Consumer Protection Act requires home improvement contractors to register with the Attorney General's office and follow its consumer protection rules; the AG also offers a contractor verification lookup.
Foreclosure process: judicial. Pennsylvania's Rules of Civil Procedure (Rule 1141 et seq.) treat mortgage foreclosure as a court action that follows the rules for civil actions.
Recording taxes and fees: State realty transfer tax on deeds and other writings that transfer real estate (collected by county Recorders of Deeds), often along with an additional local realty transfer tax shared with municipalities and school districts.

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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.

Investor loans in Pennsylvania

Larger Pennsylvania cities

https://www.pa.gov/agencies/dobs/non-bank-licensees.html
https://phfa.org/homebuyers
https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/realty-transfer-tax.html
https://dced.pa.gov/local-government/property-tax-relief-homestead-exclusion/
https://www.legis.state.pa.us/wu01/li/li/us/pdf/1951/0/0020..pdf
https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/sales-use-and-hotel-occupancy-tax/home-sharing.html
https://www.dos.pa.gov/BusinessCharities/Business/Pages/default.aspx
https://www.pa.gov/agencies/revenue/resources/tax-types-and-information/realty-transfer-tax
https://www.attorneygeneral.gov/home-improvement-contractor-registration/
https://www.pacodeandbulletin.gov/secure/pacode/data/231/chapter1000/s1141.html
2024 HMDA data (occupancy type)