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cohen@ridgestreetcap.com
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Hard Money Lenders Pittsburgh

Pittsburgh Hard Money Lender for Fix and Flips and Ground Up Construction
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Pittsburgh
Fix & Flip Loan
Sample Deal
Pittsburgh House
Loan Amount $196,500
80% of Purchase + 100% of Rehab
  • Rate: 10.99%
  • 12 Months
  • Points: 2.5%
  • Closed In 14 Days
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Why We’re The Best Hard Money Lender In Pittsburgh

We pride ourselves on being one of the best hard money lenders in Pittsburgh for Fix and Flips, GUC, and Multifamily investment properties.

Competitive Terms

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We provide competitive Terms on Pittsburgh investment property loans. Pittsburgh Fix and Flip Loan rates range from 10.5%-11.25% and a 1.5%-2.99% Origination Fee. DSCR Loan Rates range from 6.75% to 7.99% and 1.0% Origination Fee.
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See our Loan Products Section for a detailed pricing breakdown of each Dallas loan product.

Simple Online Application

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Real Estate investors can apply online, get pre-approved, or schedule a call in 2 minutes. Working with Ridge Street is simple and fast.

Start your simple online application today. Learn More

Quick Turn Around

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Our team is always available to take your call. If you submit a Quick Application or a Pre-Approval Application we’ll get back to you within 1 business hour.

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Reliable Financing

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Integrity and honesty are the foundations of our business. When we commit to a loan, we make sure you close on time.

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Pittsburgh Hard Money Loan Products

We provide fast and fairly priced Fix & Flip, DSCR and Construction Loans to local investors in the Pittsburgh area.

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Pittsburgh Fix and Flip Loan

Funding For Rehab + Purchase

$50,000 up to $3,000,000

Interest Rate 10.5%-11.25%

Origination Fee From 1.5%

Up to 90% of Purchase and 100% of Rehab

Fix and Flip Loans For Beginners Allowed

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Pittsburgh DSCR Loan

30 Year DSCR Loans For Rental Properties

Up to $2,000,000

Interest Rate 6.75%-8.25%

Origination Fee From 1.0%

Up to 80% of LTV

Short Term Rentals and Long term Rentals

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Ground Up Construction

For New Builds and Construction Completion

Up to $3,000,000

Interest Rate 10.99%-12.25%

Origination Fee From 2.0%

Up to 75% of Purchase and 100% of Construction

Up to 90% LTC

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You’re Local In Pittsburgh, You Want A Lender Who Knows The Pittsburgh Market

Understanding the Pittsburgh market

Pittsburgh’s fix-and-flip market stands out for its affordability and strong potential in neighborhoods undergoing revitalization. Areas like Lawrenceville and Bloomfield offer older housing stock that appeals to flippers aiming to cater to the influx of young professionals drawn by the city’s growing tech and healthcare sectors. With a low cost of entry compared to national averages and increasing property values in targeted areas, Pittsburgh provides a unique blend of low-risk investment and high-return potential for strategic renovators.

Local Experience Boost Program
For Pittsburgh Real Estate Investors

If you have local fix and flip or ground-up construction experience in Allegheny County within the last 3 years, we’ll increase your leverage on our hard money loans for fix and flips.

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Pittsburgh Experience Boost Program Summary

The purpose of the local experience boost program is to give investors with local experience and good credit a 5% increase in leverage:

  • If you have 1 Experience In Allegheny County with a successful exit, we may increase your leverage to 85% of the purchase + 100% of the rehab.
  • If you have 3 Experiences with 1 in Allegheny County, we may increase your leverage to 90% of purchase + 100% of Rehab.
  • Any investors with 5+ experiences in the last 3 Years and 680+ credit, automatically qualify for 90% of Purchase + 100% of rehab.
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Pittsburgh Hard Money Loan process

Our lending process for Pittsburgh hard money loans is simple and quick. Ridge Street closes loans in as little as 7 days.

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Step 1 Icon
Apply Or Get Pre-Approved Online
~ 2mins
Fill out a 2 Min Quick App with info about your Pittsburgh based project. We need some preliminary information so that we can accurately evaluate your deal.
If you’re looking to be pre-approved so that you can find your next deal or you’d like to get more info from on of our team members, select an option below.
Request A Term Sheet | Get Pre-Approved | Schedule A Call
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Receive Your Term Sheet
~ 2mins
Once we have your completed application, we’ll email you the term sheet and give you a call to provide confirmation.
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Submit Docs
~ 1-3 days
Once you’ve accepted the Loan Terms, we’ll collect your remaining documents and begin underwriting the loan. We have a low document program with no income statement documentation.
Step 4
Appraisal or BPO
~ 2-7 days
Once you've submitted your documents, an appraisal will be ordered and completed In 2-7 days.
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Closing
~ 1-2 days
Once we have the completed document package, we'll schedule your closing within 1-2 business days.
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Featured Pittsburgh Hard Money Loan

Location
Pittsburgh, PA
Loan Type
Fix and Flip Loan
Loan Amount
$196,500
LTV %
80% of Purchase + 100% Of Rehab
Rate
10.99%
Points
2.5%

Pittsburgh Deal Summary

Ridge Street Capital financed a fix and flip loan for a first-time investor on a 3-bed, 2-bath single-family home in Pittsburgh.

The loan covered 80% of the purchase price and 100% of the $50,000 rehab budget, providing the borrower with the resources needed to execute their first project confidently.

The property required a combination of cosmetic and functional upgrades, including a modernized kitchen, updated bathrooms, and enhanced curb appeal through landscaping.

Ridge Street’s consultative approach and efficient closing process allowed the first-time investor to start the rehab quickly, setting the stage for a successful and profitable flip.

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Frequently Asked Hard Money Loan Questions

How do I qualify for a hard money loan in Pittsburgh?

To qualify for a hard money loan in Pittsburgh with Ridge Street you need:

  • A Credit Score of 640+

  • A profitable deal with at least a 10% ROI

  • An LLC or a Corporation Registered In Pennsylvania

What types of properties can I finance with a hard money loan in Pittsburgh?

Ridge Street finances the following property types:

  • Residential 1-4 Units

  • Multifamily 5-25 Units

  • Commercial (Select)

What are the interest rates and terms for hard money loans in Pittsburgh?

Depending on the sponsors experience and credit profile, rates range from 10.5%-11.25%. Ridge Street’s median rate for a hard money loan on a fix and flip in Pittsburgh is 10.75% interest only with no pre-payment penalty.

How fast can I get a hard money loan in Pittsburgh?

Ridge Street closes hard money loans in as little as 7 days.

Are there any state-specific regulations for getting a hard money loan in Pittsburgh?

Ridge Street’s hard money loans are business purpose loans. This means that we can only lend to borrowers with entities (LLC or Corp) registered in Pennsylvania.

Can I use a hard money loan to finance a fix and flip in Pittsburgh?

Absolutely. This is the main use of a hard money loan in Pittsburgh.

What is the loan-to-value (LTV) ratio for a hard money loan in Pittsburgh?

There are a number of ratios that Ridge Street uses to determine the Loan Amount. Put simply, for a first time investor we finance up to 80% of the Purchase + 100% of the Rehab. For an experienced investor, we finance up to 90% of the Purchase + 100% of the Rehab.

Can I use a hard money loan to finance a rental property in Pittsburgh?

You can use a hard money loan to purchase and renovate a rental property. You can then refinance with a DSCR Loan (This is called the BRRRR Strategy). If the property is rent ready at purchase, there is no need for a hard money loan and you can go straight into DSCR financing.

Interested In Working With Us?

We work with real estate investors across the country every day. How can we help?

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cohen@ridgestreetcap.com

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