PA · Pittsburgh
Bridge, Flip & Construction
Loans in Pittsburgh, PA
Bridge, fix & flip, construction, renovation and DSCR loans for residential investment property in Pittsburgh, $1M to $5M, term sheet in 24 to 48 hours. For US investors and foreign nationals on the same terms.
Passy Capital finances real estate investors who buy, renovate and build residential investment property in Pittsburgh and Allegheny County: bridge loans, fix & flip loans and ground-up construction loans for spec homes, infill and build-to-rent, plus renovation and DSCR financing for the hold. Loans run from $1M to $5M, with a term sheet in 24-48 hours and closing in about two weeks on a clean file.
Pittsburgh had the widest typical gross flipping margin of any US metro with more than 1 million people in ATTOM's Q1 and Q2 2026 home flipping reports (85.9% and 81.5%). In the same Q2 report its flipping rate was among the lowest of those large metros, at 4.5% of sales. ATTOM measures those margins before renovation and carrying costs, so the work and the after-repair value drive our underwriting, not the headline figure.
Investors based outside the US borrow on the same terms as local operators. The loan is made to your US LLC and underwritten on the property, with no US credit history and no Social Security number required. Business-purpose lending only, on non-owner-occupied property.
Pittsburgh Market Highlights
Widest Flip Margins
Top typical gross flipping margin among large US metros in ATTOM's Q1 (85.9%) and Q2 (81.5%) 2026 reports.
Low Flip Rate
Pittsburgh's Q2 2026 flipping rate (4.5% of sales) was among the lowest of large US metros in the same report.
5% Transfer Tax
1% state, 3% city and 1% Pittsburgh School District inside city limits. Allegheny County adds no separate tax.
Regulated Title Rates
Rating bureau members charge title premiums from one manual approved by the Pennsylvania Insurance Department.
Judicial Foreclosure
Pennsylvania foreclosures go through the court of common pleas and end in a sheriff's sale.
Same Terms From Abroad
Non-US investors borrow through a US LLC with no US credit history and no foreign-national premium.
Key Submarkets
Lawrenceville
Bloomfield
Polish Hill
Highland Park
East Liberty
Shadyside
Squirrel Hill
Mount Washington
Brookline
Troy Hill
Dormont
Mt. Lebanon
Property Types We Finance
Single-Family
2-4 Units
Condos & Townhomes
Small Multifamily (5-9)
Spec Homes
Build-to-Rent
SFR Portfolios
Renovation Projects
Loan Programs
Bridge Loans
Buy, refinance or cash out an investment property, closing in about two weeks.
Construction
Ground-up spec homes and build-to-rent, with draws tied to milestones.
Renovation / Rehab
Rehab financing on 1-4 unit and small multifamily, drawn against completed work.
Fix & Flip
Purchase and rehab in one loan for 1-4 unit flips, closing in about two weeks.
DSCR / Rental
Long-term rental financing based on property cash flow.
How we finance Pittsburgh deals
- Renovations sized on the full budget. Purchase and renovation in one loan, up to 90% of cost, for single-family houses, two- to four-family buildings and small apartment buildings. ATTOM's headline flipping margins are gross, before renovation and carrying costs, so we size every Pittsburgh flip on the purchase price, the full scope of work and an after-repair value supported by recent comparable sales.
- Transfer tax on both ends. The realty transfer tax in the City of Pittsburgh is 5% combined: 1% state, 3% city and 1% school district. Suburban municipalities in Allegheny County set their own local rates. It is commonly split between buyer and seller, and a flip carries its share on the purchase and on the sale.
- Construction and DSCR. Ground-up construction up to 85% of cost for spec homes, infill and build-to-rent, and DSCR loans up to 80% of value to hold the finished or renovated property once it is leased.
See all Pennsylvania markets on our Pennsylvania page, or what we fund.
Investing in Pittsburgh from outside the US
If you are buying in Pittsburgh from outside the United States, financing is usually where the process stalls: no Social Security number, no US credit history, and no retail bank willing to underwrite a foreigner. We lend to your US LLC instead, underwrite the property rather than a US profile you have no way to build, and charge no foreign-national premium for it.
Frequently asked questions
What do you finance in Pittsburgh?
Bridge loans, fix & flip loans and ground-up construction loans for spec homes, infill and build-to-rent, plus renovation and DSCR loans. Loans run from $1M to $5M on single-family, 2-4 units, condos and townhomes, small multifamily up to 9 units, build-to-rent and SFR portfolios.
How much of a Pittsburgh flip can you finance?
Up to 90% of cost on fix & flip and renovation, with renovation funds released in draws as work is completed and inspected. Ground-up construction goes up to 85% of cost, and bridge and DSCR loans up to 80% of value.
Can a foreign national borrow for a Pittsburgh property?
Yes. The loan is made to your US LLC and underwritten on the property rather than on a US credit history, so a non-resident borrows on the same terms as a US investor, with no Social Security number required.
What does a Pittsburgh loan cost?
The fee is 1-2% of the loan, paid at closing, with no upfront fees. The term sheet within 24-48 hours sets out the rate and terms for your specific deal.
Learn More
How a Construction Loan Draw Schedule Works
How draws are requested, inspected and released during a renovation or build.
Can I Refinance a Bridge Loan Into a DSCR Loan?
How a finished renovation or build moves from short-term financing to a long-term rental loan.
Borrowing With No US Credit History
How a non-US investor qualifies for a US investment property loan.
Other Cities in Pennsylvania
We also finance investors across other Pennsylvania markets.
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