No W-2. No Tax Returns.
Philadelphia real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days.
Check My Philadelphia Rate →DSCR rental loans in Philadelphia qualify based on the property's rental income, not your W-2 or tax returns. Min credit 660 (640 with compensators), max 80% LTV purchase / 75% cash-out, 30-year fixed terms, LLC borrowing allowed, close in 14-21 days.
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.
Yes. DSCR loans qualify based on the Philadelphia rental property's projected income — not your personal income. No W-2, no tax returns required.
Most Philadelphia DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors.
Most lenders require a minimum DSCR of 1.00x. Better pricing kicks in at 1.20x+. Philadelphia rental yields average 9.2% making this achievable in most submarkets.
Yes. LendingStreet DSCR loans in Philadelphia allow borrowing in an LLC with a personal guarantee.
Philadelphia DSCR loans typically close in 14-21 days from complete application. Well-prepared borrowers can close in 10-14 days.
Yes. STR-specific DSCR programs qualify based on projected short-term rental revenue. Some Philadelphia areas have STR restrictions — verify local rules.
Standard DSCR loans in Philadelphia go up to $5M. Jumbo DSCR programs extend to $10M+ for qualified borrowers.
Yes. Rate-and-term refis and cash-out refis are available on Philadelphia rentals. Cash-out caps at 70-75% LTV.
No credit pull. No commitment. Speak with a licensed financing firm that knows the Pennsylvania investor market.
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