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Fix & Flip · Pennsylvania

Fix & flip loans in Pennsylvania — fund the deal, keep your cash.

Mortava fix & flip loans in Pennsylvania: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Pennsylvania is high rent-to-price ratios and abundant fix & flip inventory in Philadelphia and Pittsburgh. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Philadelphia, Pittsburgh, Allentown and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Pennsylvania project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Pennsylvania projects with Mortava

In a market like Pennsylvania, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Philadelphia, Pittsburgh, Allentown deals and recycle capital into the next project faster.

Philadelphia and Pittsburgh offer rowhouse and duplex inventory priced far below replacement cost — fuel for flips, BRRRR projects, and straight rental holds. Pennsylvania’s depth means there’s always another deal in the pipeline.

Top metros we fund
Philadelphia, Pittsburgh, Allentown
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Pennsylvania

The same leverage that funds a Pennsylvania flip funds the "buy and rehab" half of BRRRR. Renovate in Philadelphia or Pittsburgh, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Pennsylvania fix & flip loan FAQ

Can I get a fix and flip loan in Pennsylvania?
Yes. Mortava funds fix & flip projects across Pennsylvania, including Philadelphia, Pittsburgh, Allentown. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Pennsylvania flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Pennsylvania.
Do you fund first-time flippers in Pennsylvania?
Yes — first-time flippers are welcome in Pennsylvania with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Philadelphia and Pittsburgh?
Yes — Philadelphia, Pittsburgh, Allentown and every other Pennsylvania market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Pennsylvania property instead of selling it?
Yes. Many Pennsylvania investors renovate with a Mortava flip loan in markets like Philadelphia, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in New YorkFlip in North CarolinaFlip in North DakotaFlip in OhioFlip in OklahomaFlip in OregonFlip in Rhode IslandFlip in South CarolinaFlip in South DakotaFlip in TennesseeFlip in TexasFlip in Utah
All Fix & Flip programs → DSCR loans in Pennsylvania → Instant quote & pre-qualify →
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