MoFin Lending for Pennsylvania investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Pennsylvania context
Pennsylvania low state income tax. Philadelphia rowhouse and Pittsburgh markets produce strong DSCR cash flow.
How MoFin Lending positions in Pennsylvania
Within Pennsylvania, MoFin Lending competes alongside other DSCR lenders. MoFin Lending strengths: Licensed in 34 states, Direct lender. The high aggregate DSCR economics of Pennsylvania create demand for MoFin Lending programs in Philadelphia and Pittsburgh particularly.
City-level coverage in Pennsylvania
MoFin Lending provides DSCR coverage across Pennsylvania metros including Philadelphia, Pittsburgh, and Allentown. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending 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 | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Pennsylvania property tax | 1.6% |
| Pennsylvania state income tax | 3.07% |
MoFin Lending strengths in Pennsylvania
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Pennsylvania. MoFin Lending is based in an undisclosed location and operates nationally.
Philadelphia is the top investor market in Pennsylvania and falls within MoFin Lending national coverage. Philadelphia property tax follows the Pennsylvania state rate of 1.6 percent. MoFin Lending typically underwrites Philadelphia acquisitions at standard rate sheets.
Yes. Pittsburgh ranks among the larger Pennsylvania investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Pittsburgh matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Pennsylvania.
Pennsylvania allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
Pennsylvania investors considering MoFin Lending should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.