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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Pennsylvania DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Pennsylvania investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Philadelphia, Pittsburgh, Allentown, Harrisburg and the rest of Pennsylvania. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best-tier from 5.80%
  • 21–30 day close

Indicative as of August 1, 2026. Not a quote. Lenders set final pricing at underwriting.

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Pennsylvania?

Yes. DSCR loans in Pennsylvania qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Governed best-tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated August 1, 2026.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Pennsylvania Rental Market Snapshot

State-level data DSCR underwriters use to size Pennsylvania rental deals.

Median Home Price
$265K
Statewide single-family
Gross Rental Yield
6.0–10.0%
Annual rent / price
Eviction Timeline
45–75 days
mixed
Rate Adjustment
neutral
vs national baseline

Pennsylvania is one of the deepest dual-market DSCR states. Philadelphia row-house stock produces some of the highest gross yields in any major US metro (9–11% on stabilized properties) with eviction-diversion friction. Pittsburgh anchors steady eds/meds LTR demand at 7–9% yields. Allentown-Bethlehem-Easton (Lehigh Valley) has Amazon/warehouse employment momentum and growing in-migration from NJ/NY.

Major Pennsylvania Markets We Serve

Active DSCR deal flow across Pennsylvania's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Philadelphia$235K7.0–10.0%Largest PA market, wide yield range by neighborhood, Eviction Diversion Program friction
Pittsburgh$215K7.5–10.0%Eds/meds employment, deep BRRRR inventory, faster court calendar than Philly
Allentown$305K6.5–8.0%Lehigh Valley, Amazon/warehouse employment, NJ/NY in-migration
Harrisburg$245K7.0–8.5%State capital employment, central PA hub, growing LTR demand
Pennsylvania investor note:Pennsylvania has no statewide rent control (preempted by 1961's Pennsylvania Rent Withholding Act and subsequent case law). Philadelphia has tenant-friendly notice requirements but no rent cap.

Pennsylvania Eviction Timeline & Landlord Posture

How Pennsylvania courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
mixed
Typical Timeline
45–75 days
Rent Control
None / preempted

Pennsylvania requires a 10-day notice for non-payment (15-day under Philadelphia Eviction Diversion Program). Magisterial District Judge hearings are typically scheduled 7–10 days after filing in non-Philadelphia counties.

Pennsylvania Rate Adjustment vs National Baseline

neutralover national baseline pricing

Philadelphia court calendar friction is offset by sub-jumbo loan sizes and rent-control preemption; Pittsburgh and rest-of-state price on national curves.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best-tier floor 5.80% from rate-floors.json as of August 1, 2026.

DSCR Lenders Active in Pennsylvania

The non-bank DSCR programs we see most frequently funding Pennsylvania rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • Kiavi
  • Visio Lending
  • Lima One
  • CoreVest
  • RCN Capital

PeerSense is independent, not a lender. Lenders listed are programs we have funded Pennsylvania deals through; specific terms vary by file.

Pennsylvania DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Get Pennsylvania DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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