FundLoans for Pennsylvania investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
Pennsylvania context
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow.
How FundLoans positions in Pennsylvania
For Pennsylvania specifically, FundLoans fits investors who match the hard money approach. The high cash flow profile of Pennsylvania aggregate makes it a target market for FundLoans.
City-level coverage in Pennsylvania
FundLoans provides DSCR coverage across Pennsylvania metros including Philadelphia, Pittsburgh, and Allentown. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across Pennsylvania metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Pennsylvania property tax | 1.6% |
| Pennsylvania state income tax | 3.07% |
FundLoans strengths in Pennsylvania
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct Pennsylvania coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Philadelphia is the top investor market in Pennsylvania and is generally within FundLoans states not publicly disclosed footprint. Philadelphia property tax follows the Pennsylvania state rate of 1.6 percent. FundLoans typically underwrites Philadelphia acquisitions at standard rate sheets.
Yes. Pittsburgh ranks among the larger Pennsylvania investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Pittsburgh matters for property selection.
FundLoans applies the same rate sheet across Pennsylvania metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Philadelphia, Pittsburgh, and Allentown all qualify for the same FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in Pennsylvania.
Pennsylvania allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
For Pennsylvania DSCR borrowers, FundLoans is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.