85% LTC. Interest-Only.
Philadelphia builders and investors: ground-up construction financing up to 90% LTC and 75% LTARV. 12-24 month terms. Interest-only during build. Fast draw releases.
Check My Philadelphia Construction Rate →Ground-up construction loans in Philadelphia qualify based on the property's rental income, not your W-2 or tax returns. Up to 85% LTC and 75% LTARV, 12-24 month terms, interest-only on drawn funds, first-time builders welcome with experience.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 50 states.
Philadelphia offers some of the strongest rental yields among major US metros (9%+ gross), making it a top BRRRR and cash-flow market for serious investors. Low entry prices allow building portfolios quickly.
Gentrifying submarket with strong rent growth and BRRRR activity
Premium rental market favored by young professionals
High-yield investor submarket with cash-flow opportunities
Rapidly appreciating market with strong rental demand
University-adjacent rental market with consistent occupancy
We also fund investments throughout the greater Philadelphia metro including Cherry Hill, King of Prussia, Conshohocken, and the Main Line.
Borrower names and exact addresses anonymized for privacy. Rates and terms reflect actual closed deals through LendingStreet's network of 30+ capital sources.
Philadelphia ground-up construction loans go up to 90% LTC (loan-to-cost) and 75% LTARV (loan-to-after-repair-value).
12-24 months standard. Extensions available if needed. Most spec builders prefer 18-month terms.
Yes, but interest-only on funds drawn — not the full loan. This keeps carrying costs manageable during the build phase.
5-7 business days from inspection. We work with regional inspectors familiar with the Philadelphia market.
680+ for standard programs. 720+ unlocks the best pricing. Experience required (1-2 completed projects).
Yes. Standard for construction projects — provides liability protection during the build phase.
$250K minimum. Maximum $5M+ for qualified borrowers with development experience.
Yes. Philadelphia infill projects are a core market. Custom homes, spec builds, and townhouse projects all qualify.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Pennsylvania investor market.
Check My Eligibility →By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
Investment Property Only • 660+ FICO • $200K+ Loans
🔒 SSL Secured · 256-bit Encryption · ✓ Investment Properties
Or call us directly: (877) 298-1001