Hard Money Loans for Greater Philadelphia & PA
Real Estate Investors
We’re active hard money lenders serving Philadelphia, PA and the surrounding counties. We understand the deal flow, know the neighborhoods, and move fast enough to keep up with one of the most competitive real estate investment markets on the East Coast.
- Fix & Flip Loans
- Hard Money Loans
- Bridge Loans
- DSCR Rental Loans
Direct Hard Money Lending for Pennsylvania
and the Greater Philadelphia Region
Mako Loans isn’t chasing volume in markets we don’t understand. We fund real estate investors across Philadelphia, Montgomery, Delaware, Chester, Bucks, and Lehigh counties because we’ve done the work to know these markets. From rowhouse flips in Kensington, North Philadelphia, and Frankford to suburban rehabs in Norristown, Lansdale, West Chester, Malvern, Phoenixville, and Pottstown — we bring the speed and capital that Philadelphia-area investors need to compete.
Hard Money Loans Built for the Pennsylvania Market
Greater Philadelphia moves fast. Distressed assets get multiple offers, rowhomes sell before they hit the MLS, and suburban deals close in days — not weeks. Our underwriting is built around the reality of this market, not a one-size-fits-all lending template from a national platform.
Fix & Flip, Bridge, and DSCR Loans — One Lender
Whether you’re flipping a rowhome, bridging into a distressed commercial asset, or building a long-term rental portfolio with DSCR financing in Pennsylvania, you don’t need three different lenders. We fund all three with the same fast, relationship-driven process.
Philadelphia’s Relationship-First Private Lender
We work with investors across multiple deal cycles, not just one transaction. As you scale your portfolio across the Philadelphia metro, we’re the lending partner that grows with you — understanding your strategy, your timelines, and your exit plan.
Your Funding Partner
What We Fund in Pennsylvania
From rowhouse fix-and-flips in Philadelphia County to new construction in Bucks and DSCR rentals across the suburbs, we fund the full range of investment strategies active across Pennsylvania’s Greater Philadelphia market. If it’s a non-owner-occupied investment property, we want to hear about your deal.
Fix & Flip Loans
Short-term financing for investors buying, renovating, and reselling properties.
New Construction
Ground-up construction loans for builders developing single-family and multi-family projects.
BRRRR Loans
Buy, Rehab, Rent, Refinance, Repeat strategy loans for building rental portfolios.
Rehab Loans
Renovation financing for investors improving distressed properties in our local market.
Commercial Bridge
Short‑term commercial property acquisition and repositioning loans designed for speed and flexibility.
Other projects?
Not sure what fits? Tell us about your deal, our experts will point you in the right direction.
Greater Philadelphia & PA Underwriting
We underwrite hard money and DSCR loans across various Pennsylvania counties with a clear understanding of what drives value in each submarket. We know property values, renovation costs, neighborhood-level exit conditions, and what makes a deal work in this market — because we’re active in it. We focus on As-Is and After-Repair value, not just credit scores and tax returns.
Philadelphia County
Rowhouse flips, multi-unit conversions, and workforce housing across neighborhoods including Kensington, Frankford, West Philadelphia, North Philadelphia, Fishtown, Germantown, Gray's Ferry, and Point Breeze.
Montgomery, Delaware & Chester Counties
Suburban rehabs, DSCR rentals, value-add multifamily, and Main Line-adjacent flips across Norristown, Upper Darby, Lansdale, Conshohocken, Ardmore, Havertown, West Chester, Malvern, Phoenixville, Exton, and Downingtown.
Bucks County
Fix-and-flip and new construction opportunities in growing communities north of the city — from Bristol and Levittown to Langhorne, Doylestown, and Quakertown.
Lehigh County
Value-add and rental portfolio deals in the Allentown-Bethlehem-Easton corridor, including Emmaus and Whitehall Township — one of Pennsylvania's fastest-growing investment markets.
From Inquiry to Funding in 3 Simple Steps
01
Quick Inquiry
Tell us about your Philadelphia-area property and investment plan. Complete our brief application form in just a few minutes.
02
Rapid Underwriting
We handle valuation and diligence in-house for Pennsylvania investment properties. We focus on the As-Is and After-Repair potential of the asset — without bank red tape.
03
Fast Closing
Pennsylvania closings are attorney-driven — we coordinate everything so funds are typically wired in 7–14 days once title and insurance are cleared.
Why Pennsylvania Needs Investors Like You
A High-Demand Market at a Turning Point
The Greater Philadelphia real estate investment market is under sustained pressure. Inventory is historically low, demand from both owner-occupants and renters remains strong, and thousands of aging properties across the city and suburbs need capital to become viable housing again. This isn’t a short-term trend — it’s a structural opportunity for investors who know how to execute.
For fix-and-flip investors, rehabbers, and rental portfolio builders, the conditions across Philadelphia and its surrounding Pennsylvania counties represent one of the best long-term entry points in the Northeast. The right hard money lender makes the difference between sitting on the sidelines and closing deals.
Philadelphia’s Aging Housing Stock Creates Consistent Deal Flow
Philadelphia and its suburbs contain some of the oldest housing inventory in the country — creating a steady pipeline of rehab and flip opportunities for experienced investors across every price point.
Strong Rental Demand Supports DSCR Investors Across Philadelphia PA
Population density and limited new construction keep rental vacancy low across the region, supporting strong cash-on-cash returns and favorable DSCR ratios for long-term hold investors.
Fix & Flip Exit Conditions Are Strong Across the Philadelphia Metro
Renovated properties in desirable Philadelphia-area neighborhoods command strong resale prices and attract motivated buyers quickly — supporting faster exit timelines for flippers and rehabbers.
We See This Impact Firsthand
As local lenders who understand the Berkshire County market, we see how strategic investment transforms communities. Renovating homes doesn’t just increase property values, it brings families back, strengthens neighborhoods, and creates long-term economic growth.
Pennsylvania Investment FAQs
Do you offer hard money loans throughout Philadelphia and surrounding Pennsylvania counties?
Yes. We lend across all Pennsylvania counties, with a focused presence in Philadelphia, Montgomery, Delaware, Chester, Bucks, and Lehigh. Whether you’re working a rowhouse flip in Kensington or a value-add deal in the Lehigh Valley, we have the local market knowledge and capital to move quickly on your deal.
Is an LLC required for a Pennsylvania loan?
What is the minimum loan amount for Pennsylvania?
Do you require personal tax returns?
How do draws work for Pennsylvania rehabs?
Berkshires MA
Ready to Fund Your Next Pennsylvania Deal?
Whether you’re an experienced flipper working the Philadelphia rowhome market or a rental investor building a DSCR portfolio across the Pennsylvania suburbs, we’re here to move fast. Get pre-qualified today and let’s talk about your deal.
Apply in minutes
60-second form: name, property, budget, timeline.
What We Fund
$100k+ hard money loans across Greater Philadelphia, PA
Get Terms Fast
Deals reviewed and proof of funds sent quicky.
Funds at Closing
We coordinate title/attorney—funds wired once cleared.