DSCR Loans in Harrisburg, PA
Find lenders offering dscr loans in the Harrisburg, including York, Lancaster, Carlisle, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Harrisburg
42 lenders offering dscr loans in the Harrisburg, PA area.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
New Silver Lending
FL
Direct lender for real estate investors. DSCR loans with no minimum DSCR requirement. Also offers fix-and-flip, bridge, and construction loans.
North American Savings Bank
Kansas City, MO
Offers 11 types of non-QM loans including bank statement, asset depletion, DSCR, and bridge. 100,000+ mortgages closed since 2010, $30B+ loaned.
RCN Capital
South Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Harrisburg Commercial Real Estate Market
Harrisburg's CRE market is underpinned by Pennsylvania's state government operations and an extensive healthcare and logistics sector along the I-81 and I-83 corridors. The Capital City's downtown has experienced a gradual renaissance with hotel conversions, restaurant openings, and residential loft projects along the Susquehanna riverfront. The West Shore suburban corridor through Camp Hill, Mechanicsburg, and Carlisle attracts corporate office users and medical tenants seeking lower occupancy costs. The broader Harrisburg-York-Lancaster region has become a major distribution corridor, with warehouse and logistics demand fueled by proximity to Mid-Atlantic population centers and favorable operating costs compared to the New Jersey Turnpike corridor.
Key Economic Drivers
- ●Pennsylvania state government operations as the single largest employment anchor in the metro
- ●I-81/I-83 logistics corridor supporting warehousing for UPS, FedEx, and Amazon distribution
- ●Penn State Health Milton S. Hershey Medical Center and UPMC Pinnacle hospital network expansions
- ●Hershey Company and adjacent tourism economy in Derry Township
Market Insight
The Harrisburg region's industrial vacancy rate has remained among the tightest in central Pennsylvania, driven by e-commerce distribution tenants who value the area's ability to reach one-third of the U.S. population within a one-day truck drive.
DSCR Loans in Harrisburg, Pennsylvania
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Harrisburg metro area, borrowers can access 42 lenders offering DSCR financing, including York, Lancaster, Carlisle, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
DSCR Loans in Other Pennsylvania Cities
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