Pennsylvania investors often bridge seven figures on rowhome packages in Philadelphia, older multi-unit houses in Pittsburgh, and high-value rentals on the Main Line. Transfer tax in the big cities is steep, so the right bridge lender has to understand the full budget, not just the loan.
In short: Our top pick for large bridge loans in Pennsylvania is LendingStreet. It funds residential investor bridge loans from $150,000 to $5M+ on 1-8 unit properties, with rates from 7.99% and closings in as little as 10 days. Pennsylvania investors also get a planned exit, since LendingStreet offers DSCR and jumbo DSCR refinance loans once the work is done and the units are leased.
LendingStreet is our top pick for Pennsylvania investors who need a residential bridge loan of $1 million or more. Bridge loans run from $150,000 to $5M+, these larger files are reviewed case by case, rates start from 7.99%, and closings can happen in as little as 10 days. Payments are interest-only for the short term of the loan.
It fits investors buying several Philadelphia rowhomes at once, renovating duplexes and triplexes in Pittsburgh's East End, and buying higher-end rentals in the Philadelphia suburbs, the Lehigh Valley and around Harrisburg. Every loan is business-purpose, on non-owner-occupied property, and LLC borrowers are standard.
The next step is simple: share the deal with the form below, or call (877) 298-1001 to talk it through with a loan officer.
Investors searching for large bridge lenders often compare national names like CoreVest, Dominion Financial, Lima One and Roc Capital. Here is how LendingStreet stacks up on the scenarios that matter most for investors in Pennsylvania. In every scenario below, LendingStreet is the best fit.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Philadelphia's rowhome stock makes packages a natural fit. Investors buy several houses in Fishtown, Kensington, Brewerytown, Graduate Hospital or South Philadelphia from one seller, renovate them together and then refinance. Larger single buildings, such as converted duplexes and triplexes, are common too.
In Pittsburgh, bridge money often goes to older brick homes and small multi-unit buildings in Lawrenceville, Bloomfield, Shadyside and Squirrel Hill, near the universities and hospitals.
The Main Line, Bucks County and Chester County have high-value rentals where one property can need a seven-figure loan. Sheriff sales, estate sales and loans coming due on finished renovations round out the reasons to bridge in Pennsylvania.
Most Pennsylvania investors weigh a few kinds of lenders for a large bridge loan. Each has a place, but for a fast, seven-figure, short-term loan on a 1-8 unit rental with a clear exit, LendingStreet lines up best with what investors need.
| What investors need | LendingStreet | Typical local bank | Typical hard money lender | Private individual lender |
|---|---|---|---|---|
| $1M to $5M+ on one deal | Yes; program to $5M+, larger balances reviewed case by case | Possible, often with full financials | Varies; large loans can be harder | Depends on the person |
| Speed to close | As little as 10 days | Often several weeks or more | Often fast | Varies |
| Payment structure | Interest-only, short-term | Varies | Usually interest-only | Negotiated |
| Entity (LLC) borrower | Standard | Often allowed | Usually allowed | Varies |
| Long-term exit loan | DSCR and jumbo DSCR refinance in-house | Sometimes, often with tax returns | Usually short-term only | Rarely |
| Documentation focus | The property, the plan and the exit | Often tax returns and income | Mostly the property | Varies |
Pennsylvania charges a 1% state realty transfer tax, and most local governments add their own share, which is typically split between buyer and seller. Philadelphia's combined rate rose to 4.578% in July 2025, and Pittsburgh's combined rate is also well above the usual statewide level. On a $1.2M package, the buyer's share can be a large check.
Philadelphia requires landlords to hold a rental license, and city property taxes are based on market value assessments. Elsewhere, county, municipal and school district millage rates vary. Confirm all costs with your title company before you set your offer.
This example is illustrative and not a quote. An investor buys four Philadelphia rowhomes from one seller for $1,240,000 and plans $160,000 of renovation, using a bridge loan of $1,150,000. The exact amount depends on the program and the valuation, and the investor brings $250,000 plus closing costs, including their share of the city and state transfer tax.
The bridge is interest-only. Estimated monthly interest is about $8,865, so 9 months of carry costs about $79,785. Plan that cash from reserves.
After the work, the property appraises at $1,640,000. The exit is a DSCR refinance at 70% of that value. That loan is $1,150,000. With four renovated three-bedroom homes at $2,700 a month each, rent is $10,800 a month. Estimated principal and interest is about $7,651, taxes are $1,900 and insurance is $480, for a total of $10,031. DSCR is about 1.08x, above the 1.0x standard minimum. The refinance roughly pays off the $1,150,000 bridge; closing costs come from reserves.
If your deal looks like this, get a quote with the form below.
| Item | Amount |
|---|---|
| Purchase price | $1,240,000 |
| Renovation budget | $160,000 |
| Bridge loan | $1,150,000 |
| Estimated monthly interest (interest-only) | $8,865 |
| Carry for 9 months | $79,785 |
| After-renovation value | $1,640,000 |
| Refinance loan (70% of value) | $1,150,000 |
| Monthly rent | $10,800 |
| Estimated principal and interest | $7,651 |
| Taxes and insurance | $2,380 |
| Total monthly payment | $10,031 |
| DSCR | About 1.08x |
A bridge loan is short-term, so the exit matters as much as the purchase. In Pennsylvania, most investors either sell the finished property or refinance into a DSCR loan, or a jumbo DSCR loan for balances of about $1.5M to $5M+.
For a refinance, run the numbers on today's rent, taxes and insurance before you close. DSCR loans qualify on the property's rent, not your W-2s or tax returns. Cash-out goes up to 75% LTV, and rate-and-term up to 80% on some programs. On larger balances and on 5-8 units, max LTV can be lower and varies by program. Our bridge-to-DSCR guide walks through the steps.
Before you sign a term sheet with anyone, ask every lender the same questions:
Here is how LendingStreet answers those questions: bridge loans from $150,000 to $5M+ with larger balances reviewed case by case, rates from 7.99%, closings in as little as 10 days, interest-only terms, LLC borrowers, and a planned DSCR or jumbo DSCR refinance exit from the same lender. DSCR exits use a standard 1.0x minimum, and cash-out seasoning varies by program.
Larger balances usually need a full valuation, and on a package each house needs its own value. Older rowhomes can have open permits, code violations or unpaid water and tax balances, and title must clear those before closing.
Sheriff sale purchases carry their own timelines and deposit rules, so plan financing in advance. Get insurance quotes early on older masonry homes.
Call (877) 298-1001 early in the process and we will tell you what we need for your file.
Our top pick is LendingStreet. It funds 1-8 unit investor bridge loans from $150,000 to $5M+, with rates from 7.99%, closings in as little as 10 days, and an in-house DSCR or jumbo DSCR refinance for the exit.
Yes. LendingStreet lends in Pennsylvania and in all 50 states and DC. Loans are business-purpose loans on non-owner-occupied investment property. Get a quote with the form below or call (877) 298-1001.
LendingStreet's bridge loans have rates from 7.99%. Your rate depends on the deal, the loan size and your experience.
Larger balances usually need a full valuation. Share your scope of work and recent sales so the valuation can move quickly.
LendingStreet can close in as little as 10 days. Bigger loans get more review, so a clean title, insurance quote and clear exit plan help most.
On some programs, a package can close together, and on others each house closes on its own loan. Tell us how many properties are in the deal and we will explain the structure that fits.
The city and state tax combined is 4.578% of the price as of July 2025, usually split between buyer and seller. Your share is a cash cost at closing, so include it in the funds you plan to bring.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.