Fix-and-flip loans in Philadelphia, PA
Short-term purchase and rehab loans for rowhouse, twin and small multi-family flips in Philadelphia and the surrounding counties.
Financing Philadelphia renovations
Fast Flip Capital is a national fix-and-flip lender headquartered in Massachusetts, and we finance renovation projects in Philadelphia and its suburbs. The city's huge stock of older brick rowhouses makes it one of the country's best-known markets for flippers.
What investors buy in Philadelphia
- Brick rowhouses. The classic Philadelphia flip, found across South Philly, Point Breeze, Grays Ferry, Kensington, Port Richmond, Brewerytown and West Philadelphia.
- Twins and porch-front homes in neighborhoods like Mayfair, Frankford, Germantown, Mount Airy and Cobbs Creek, and in nearby Delaware County towns.
- Small multi-families and conversions, including rowhouses split into two or three units, which fit our 2–4 unit program. Conversions require a verified track record.
Philadelphia considerations
- Permits. Renovation permits are issued by the Department of Licenses and Inspections (L&I). Zoning approval may be needed for unit conversions or changes of use, which can add time.
- Historic properties. Buildings on the Philadelphia Register of Historic Places or in historic districts need Historical Commission review for many exterior changes.
- Lead paint. Most of the city's housing predates 1978. Philadelphia has lead-safe requirements for rental properties, and federal disclosure rules apply at sale.
- Title and city charges. Unpaid water, tax or other city charges can become liens. Order title early so payoffs don't delay your closing or your sale.
- Transfer taxes. Philadelphia and Pennsylvania both levy realty transfer taxes. Factor them into both your purchase and your exit.
How our loans fit Philadelphia deals
Many Philadelphia rowhouse flips have moderate purchase prices and full-gut rehab budgets. Up to 100% of the approved rehab can be financed on the standard program, with the total loan capped at up to 75% of after-repair value, and we can close in as little as 7 days. Leverage and program availability depend on location.
- Single-family, 2–4 unit, condo and townhome flips
- Up to 90% of purchase and up to 100% of rehab (standard program)
- Up to 100% financing for top-tier investors with 10+ completed flips (rehab financed up to $200K)
- Draws released after third-party inspection
- No prepayment penalty
Want to check the numbers first? Run your deal through our free deal analyzer, then request a term sheet. No property address or credit pull is needed.
Greater Philadelphia communities we serve
- Upper Darby
- Cheltenham
- Abington
- Norristown
- Bensalem
- Bristol
- Levittown
- Chester
- Media
- Lansdowne
- Conshohocken
- King of Prussia
Fast Flip Capital is a national lender. We finance fix-and-flip projects in most U.S. states. See where we lend.
Flipping in Philadelphia?
Send us your numbers and get a term sheet. No property address required.