Pennsylvania DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Pennsylvania (PA) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Pennsylvania utilize Judicial (Action in Mortgage Foreclosure) security instruments, with an average non-homestead effective property tax rate of 1.49%, a median 1–4 unit investment home price of $315,000 (median rent $2,480/mo), and 5+ unit multifamily market rents averaging $1,460/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Judicial (Action in Mortgage Foreclosure)EFFECTIVE PROPERTY TAX
1.49% Avg ($391/mo)MEDIAN 1–4 UNIT PRICE & RENT
$315,000 · $2,480/mo5+ UNIT MULTIFAMILY RENT
$1,460/door/moPennsylvania Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · Canonical Integer _cents & _bps Engine
Price/Door: $315,000·Loan/Door: $236,250·Avg Rent/Door: $2,480/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.23xCanonical:
123 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$236,25023,625,000 _cents
Monthly P&I Debt Service$1,513/mo@ 6.625% Note Rate
Total Monthly PITIA$2,014/moTax: $391 · Ins: $110
Net Monthly Cash Flow+$466/mo$5,590/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,014/mo | 1.23x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,053/mo | 1.21x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $1,880/mo | 1.32x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.
Pennsylvania Cities with Population ≥ 50,000 (9 Markets)
Click any Pennsylvania city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (PA) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Philadelphia, PA → | PHILADELPHIA County County | 1,692,950 | 1.43% | $365,000 | $2,850/mo | $1,700/door |
| Pittsburgh, PA → | ALLEGHENY County County | 333,367 | 1.37% | $325,000 | $2,550/mo | $1,525/door |
| Allentown, PA → | LEHIGH County County | 129,249 | 1.52% | $305,000 | $2,400/mo | $1,425/door |
| Erie, PA → | ERIE County County | 109,731 | 1.52% | $325,000 | $2,500/mo | $1,475/door |
| Reading, PA → | BERKS County County | 95,803 | 1.43% | $295,000 | $2,350/mo | $1,375/door |
| Scranton, PA → | LACKAWANNA County County | 82,629 | 1.52% | $305,000 | $2,400/mo | $1,425/door |
| Bethlehem, PA → | NORTHAMPTON County County | 81,770 | 1.4% | $290,000 | $2,300/mo | $1,350/door |
| Lancaster, PA → | LANCASTER County County | 64,664 | 1.58% | $315,000 | $2,450/mo | $1,450/door |
| Harrisburg, PA → | DAUPHIN County County | 53,615 | 1.49% | $285,000 | $2,250/mo | $1,325/door |