Hard Money Lenders in Harrisburg, PA | Capital Kings LLC
Capital Kings LLC · Non-QM Mortgage Broker

Hard Money Lenders inHarrisburg, Pennsylvania

Fix and flip, DSCR rental and new construction financing for Harrisburg investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.

Get a term sheet →Price a Harrisburg deal

Prefer to talk it through? Call or text Micah at (281) 636-5682.

Reviewed by Micah Foster, Founder & CEO, September 2026

Price a Harrisburg deal right now

Prefilled with a realistic Harrisburg deal. Change any number and it reprices on the programs that lend in Pennsylvania, with the same math as our term sheets.

Sizing your flip on the same terms as the term sheet. Get a real term sheet →

Financing a deal in Harrisburg

Harrisburg is Pennsylvania’s capital, and a small city of brick rowhouses and twins along the Susquehanna. The flip stock is 1880s to 1920s townhouses in Midtown and Uptown and larger rows on Allison Hill, many of them split into apartments over the decades. Prices are low for the state, and Redfin has homes selling in under three weeks, so the house moves if it’s done right. Most buyers and renters here work for the state, the hospitals or the logistics warehouses that line the interstates around the city.

Harrisburg is a buy-cheap market, and the risk is the building, not the resale. A rowhouse here can be bought for a fraction of what it would cost in Philadelphia, but a lot of them have been vacant, cut into units or patched for years. The scope is where deals go wrong. We want a real contractor bid and photos of the mechanicals, the roof and the back wall before we shop the file, because a Harrisburg rehab that doubles halfway through leaves no room in a low-priced exit.

What a Harrisburg deal looks like on paper

Harrisburg example: $95,000 purchase, $45,000 rehab, $200,000 after repair value, 700 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Picture a three-story brick rowhouse in Uptown: new kitchen and bath, heating system, electric service, and plaster and window repair. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.

Loan amount$125,750
Cash to close$25,391
Proof of funds to show$44,858
Where the $25,391 goes
  • Down payment (15% of the purchase)You$14,250
  • Origination (0.5%)Lender$2,000
  • Lender fees (flat)Lender$1,989
  • Broker fee (1%)Broker$2,000
  • Title and closing (estimate at Texas rates)Title$2,957
  • Prepaid interest (15 days)Lender$315
  • Property insuranceInsurer$1,330
  • AppraisalAppraiser$550

Interest while you rehab: $639 a month on the $80,750 funded at closing, $994 once every draw is out. Proof of funds is cash to close plus $13,500 of rehab reserve and $5,967 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.

Fix and flip programs in Harrisburg

Swipe the table for rates, credit and terms →

ProgramDown paymentMin creditExperienceRateOriginationMax loanTermClose
Best Rate15% of purchase700+First flip OK8.99% to 9.49%0.5%70% of ARV12 months5-14 days
First Flip, 10% Down110% of purchase + rehab660+First flip OK9.99%2%75% of ARV12 months21-30 days
7.5% Down, 3+ Flips27.5% of purchase + rehab660+3+ completed flips9.99%1.5%75% of ARV12 months21-30 days
5% Down, 5+ Flips35% of purchase660+5+ completed flips9.99% to 10.99%2%75% of ARV9-24 months10-14 days
100% Financing, 2+ Flips40% (100% financing)620+2+ completed flips9.50% to 12.00%2.5%70% of ARV9 months7-14 days
Fastest Close (3 days)10% of purchaseNo minimumFirst flip OK11.99%2%75% of ARV6 months72 hours
  1. Rate 9.99% with 2% to 2.25% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  2. Rate 9.99% with 1.5% to 1.75% origination by credit; more origination buys the rate down as far as 8.99%. Loans under $150,000 add 0.5% to the rate and 0.5% to the origination, under $100,000 1.5% and 1%. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
  3. Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
  4. Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% with 2% to 3% origination, set per file. Purchase plus rehab must fit under 70% of ARV.

Origination has a $2,000 minimum on most programs (a few lenders set a higher one, noted above) and our broker fee is 1% with a $2,000 minimum and a $10,000 maximum. These are the numbers our term sheets use as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.

Where Harrisburg prices sit right now

Before we price a Harrisburg flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.

Redfin puts the Harrisburg median sale price at $172K for the three months ending August 2026, up 7.7% on a year earlier, with homes selling in about 18 days. Zillow’s average rent for Harrisburg is $1,369 (August 31, 2026). Zillow’s Harrisburg home value index covers suburban mailing areas outside the city, so we don’t quote it here.

Median sale price, Harrisburg (Redfin, 3 months to Aug 2026)$172,000
Days on market, Harrisburg (Redfin)18
Average rent, Harrisburg area (Zillow, Aug 2026)$1,369

Sources: Redfin, Harrisburg housing market, Zillow, Harrisburg home values and rent, City of Harrisburg, Codes Bureau

How a Harrisburg file actually gets priced

Harrisburg values change block by block, sometimes within the same neighborhood, so we set the ARV from renovated rows sold nearby in the last few months, not from a citywide figure. Midtown near the Broad Street Market and the Capitol trades higher than most of Allison Hill. Suburban sales in Susquehanna Township or across the river don’t carry a city rowhouse, and an appraiser won’t use them. If the house was converted to apartments and you’re taking it back to one family, the appraiser values the finished single.

The Susquehanna floods, and Shipoke and the riverfront blocks have been hit hard before, so pull the flood zone first on anything near the water. Harrisburg rentals must be registered with the city’s Codes Bureau and inspected, and older housing brings lead paint, old wiring and rowhouse roofs and party walls that leak. Harrisburg’s historic districts also have exterior rules, so check before you replace windows or doors on the front of a building.

Who buys your finished Harrisburg deal

The finished Harrisburg house sells mostly to first-time buyers, many using FHA or state housing agency loans, so it has to pass inspection and appraise without drama. State workers and hospital staff are the steady buyers in Midtown and Uptown. Rents are solid for the price, and Zillow has the area average near fourteen hundred a month, so a small multifamily or a rowhouse bought right can also be held with a DSCR loan (a rental loan qualified on the rent, not your income).

What happens after you apply

Apply once and the whole Harrisburg loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.

Capital Kings borrower portal: Welcome to your file
Welcome to your fileSign in and the term sheet is waiting, with every fee and who it goes to.
Capital Kings borrower portal: Where the loan stands
Where the loan standsApplication, appraisal, title, underwriting, clear to close.
Capital Kings borrower portal: Run the deal again
Run the deal againThe analyzer priced off your real numbers, before and after the appraisal.
Capital Kings borrower portal: What the lender still needs
What the lender still needsEvery open condition, what clears it, and who it is waiting on.

The full walkthrough is on how it works, and you can tour the borrower portal before you apply.

What we fund in Harrisburg

Fix and flip

10%down on a first flip
Rates
from 8.99% at 760+ credit
With experience
0% down with 2+ completed flips, purchase plus rehab under 70% of ARV
Rehab
100% funded, paid in draws
Fix and flip loans in Pennsylvania →

Rental (DSCR)

7.00%rates from, 30-year fixed
Qualify on
the rent, no W-2s or tax returns
Down
from 20% at 700+ credit
Good for
buy-and-hold, and the refinance when a flip becomes a rental
DSCR loans in Pennsylvania →

New construction

95%of cost with a financed interest reserve, after 1 completed build
Rates
from 8.49% with 5+ completed builds
First build
85% of cost with a GC who has 5+ builds
Builds
single family to small multifamily
New construction loans in Pennsylvania →

Where we lend in Harrisburg

We broker deals across the whole Harrisburg market. The submarkets investors ask us about most are Midtown (17102), Uptown and Riverside (17110), Allison Hill (17103) and South Harrisburg and Shipoke (17104).

How long does a Harrisburg loan take to fund?

You send the address, purchase price, rehab budget and your ARV, which takes about five minutes and no credit pull. We take it to the lenders in our network that fit it and are licensed in Pennsylvania, and the rate, origination, leverage and cash to close come back side by side. 5-14 days to fund, as little as 72 hours on the fastest programs. We stay on title and the lender through funding.

Harrisburg hard money FAQ

Do you lend hard money in Harrisburg?
Yes. Capital Kings is a broker, not a direct lender, so we shop your Harrisburg scenario across a 400+ lender network and bring back real terms instead of one lender’s rate sheet. The programs on this page are the ones whose lenders are licensed in Pennsylvania, and the numbers come from the same engine that prices our instant term sheet.
Which fix and flip programs apply in Harrisburg?
As of October 2026: Best Rate (15% down, from 8.99%); First Flip, 10% Down (10% down, from 9.99%); 7.5% Down, 3+ Flips (7.5% down, from 9.99%, 3+ completed flips); 5% Down, 5+ Flips (5% down, from 9.99%, 5+ completed flips); 100% Financing, 2+ Flips (100% financing when purchase plus rehab fits under 70% of ARV, from 9.50%, 2+ completed flips); Fastest Close (3 days) (10% down, from 11.99%). Rehab is funded 100 percent in draws on every one of them, and we shop the file against the rest of the network before anything is signed.
How fast can a Harrisburg hard money loan close?
As little as 72 hours. Most Harrisburg fix and flip files fund in 5-14 days once the file is complete, and the 72-hour programs close that fast when title and insurance are ready. The First Flip, 10% Down program and the 7.5% Down, 3+ Flips program close in 21-30 days. The biggest delays are usually title issues or missing borrower documents, so getting those started early makes a big difference.
How much do I need to bring to close on a Harrisburg flip?
The worked example on this page is a $95,000 Harrisburg purchase with a $45,000 rehab and a $200,000 after repair value at 700 credit, first flip: $14,250 down (15% of the purchase) and $25,391 total cash to close, with $44,858 of proof of funds to show the lender. The lowest down payment for a first flip in Harrisburg is 10% down from 9.99% at 660+ credit. Investors with a track record can go to 0% down (100% financing) from 9.50% at 620+ credit with 2+ completed flips, when purchase plus rehab fits under 70% of ARV, and you still bring the closing costs in cash. Rehab is funded 100 percent through draws in every case. Run your own numbers in the calculator above, or send us the deal and we will price it.
Do you fund the rehab budget in Harrisburg?
Yes, 100 percent of the rehab is funded, but it is a holdback released in draws rather than cash at closing. You pay for each phase, request a draw, an inspector verifies the work, and the lender reimburses. That means you need working capital to float the first phase, which is the single most common thing new investors miss on their first deal.
What credit score do I need for a Harrisburg fix and flip loan?
One Harrisburg program has no credit floor at all, it is priced on speed rather than credit. The lowest rate here, 8.99%, needs 760+ credit. Depending on the program, rates step down at 760 credit and origination steps down at 700 and 740. Credit matters less here than on a conventional loan because the deal carries the file, but it moves your rate and your leverage, so know where you stand before you make offers.
Can I refinance a Harrisburg flip into a rental loan?
Yes. That is the BRRRR exit, and it is the most common way a Harrisburg flip becomes a hold. A DSCR loan qualifies on the property’s rental income rather than your W-2, so once the rehab is done and it is leased, you refinance out of the short-term hard money loan into 30-year financing. Worth deciding before you start, because it changes what finish level makes sense.
Are Harrisburg rowhouses a good fit for a first flip?
They can be, because prices are low, but the scope is where first-timers get burned. Get a full contractor walkthrough and look closely at the roof, the back wall, the heating system and the electric before you commit. In Pennsylvania a first flip can be priced at 15% down with 700+ credit (from 8.99%), 10% down with 660+ credit (from 9.99%) or 10% down with no credit minimum on the fastest-close program (from 11.99%). Programs that need completed flips: 7.5% down from 9.99% with 3+ flips; 5% down from 9.99% with 5+ flips; and 100% financing from 9.50% with 2+ flips when purchase plus rehab fits under 70% of ARV.
Does Harrisburg require a rental license?
Harrisburg requires residential rental units to be registered with the city and open to inspection by its Codes Bureau. If a flip turns into a hold, register the unit and plan for the inspection before a tenant moves in. If the house was a rental before you bought it, check for open code violations at closing.
Micah Foster
Micah Foster
Founder & CEO, Capital Kings LLC
Micah brokers Non-QM and hard money loans for real estate investors across 38 states from his base in Texas. He founded Capital Kings to give investors a broker who shops the market on their behalf instead of pitching one lender product.

What to read before you sign a term sheet

Hard money near Harrisburg: Philadelphia and Pittsburgh. More Pennsylvania city guides: Allentown, Erie, Reading and Scranton. Or see everything we fund in Pennsylvania.

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