Broker, not a lenderHard 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.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Harrisburg deal right now
Prefilled with a realistic Harrisburg deal. Change any number and it reprices instantly on the lanes licensed in Pennsylvania, using the same engine behind our term sheets.
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, 730 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.
- Down payment (15%)You$14,250
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$2,000
- Title and closingTitle$2,957
- Prepaid interest (15 days)Lender$490
- 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.
What we can fund in Harrisburg
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips2 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Harrisburg comps say
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).
Your whole loan, in one portal
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.
What we fund in Harrisburg
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Harrisburg.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Harrisburg
We broker deals across the whole Harrisburg market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Pennsylvania, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Harrisburg hard money FAQ
Do you lend hard money in Harrisburg?
Which fix and flip programs apply in Harrisburg?
How fast can a Harrisburg hard money loan close?
How much do I need to bring to close on a Harrisburg flip?
Do you fund the rehab budget in Harrisburg?
What credit score do I need for a Harrisburg fix and flip loan?
Can I refinance a Harrisburg flip into a rental loan?
Are Harrisburg rowhouses a good fit for a first flip?
Does Harrisburg require a rental license?
Before you sign anything
Ready to fund your Harrisburg deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.