Pittsburgh Hard Money Loans for Real Estate Investors
Veteran-owned hard money — started in Ohio, now lending in Pittsburgh. Send us the deal and Tony reviews it personally.
Pittsburgh runs on exactly the housing stock fix-and-flip investors love — brick foursquares, frame doubles and sturdy rowhouses that reward a disciplined rehab — and the investors who win here close before the cash buyers do. HomeFund USA is a private hard money lender built by investors, for investors, funding fix-and-flip and BRRRR projects across Allegheny County and the surrounding Pittsburgh metro. We move fast so you do not lose a deal to a cash buyer — and we are investors ourselves, including in Pittsburgh, so a Steel City deal does not need to be translated for us.
We lend up to 70% of after-repair value (ARV) on non-owner-occupied, business-purpose deals, typically $50,000 to $500,000, funding both purchase and rehab. Low-doc and straightforward: send the deal and Tony King reviews it personally, with a clear term sheet and no junk fees. How it works in Pittsburgh: we fund the purchase at closing and the renovation in draws — you finish a stage of the work, we verify it, and that piece of the budget is released, so your contractors stay paid and the rehab keeps moving. Quick facts: veteran-owned · lending in Ohio, North Carolina and Pittsburgh · non-owner-occupied 1–4 unit and small multifamily · up to 70% of ARV · purchase plus rehab draws · low-doc.
Pittsburgh is a deep fix-and-flip and BRRRR market with steady rental demand from the universities, the hospital systems and a workforce that stays put — from the city neighborhoods investors have been reworking for years — Lawrenceville, Bloomfield, Garfield, Brighton Heights, Carrick and Beechview — out to Dormont, Bellevue, Munhall, West Mifflin, Penn Hills and the rest of Allegheny County. Two things worth knowing about lending here: Pennsylvania closings run through a title company with the mortgage recorded at the Allegheny County Department of Real Estate, and the century-old housing stock means plumbing, electrical and structural line items deserve real numbers in your scope — we would rather fund an honest budget than a thin one. We underwrite to the deal, not a rigid checklist — the purchase price, a line-item scope, and an ARV basis you can defend are what move a Pittsburgh file to a term sheet.
Submit Your Deal for Fast Review
How fast can you close in Pittsburgh?
Once we have the purchase contract, rehab scope, and an ARV basis, simple deals can close fast. The pieces that decide the pace are the title work and your file, so send the executed contract, the itemized scope and your comps together — a complete file is what a fast Pittsburgh closing looks like.
What kinds of properties do you fund?
Non-owner-occupied 1 to 4 unit residential and small multifamily for fix-and-flip or BRRRR. Business-purpose loans only. In Pittsburgh that means the brick foursquares and rowhouses in the city neighborhoods, doubles in the boroughs, and small multifamily near the universities and hospitals — the older stock that still prices below retail.
Do I need perfect credit?
No. We are low-doc and focus on the deal: purchase price, rehab scope, and ARV. Expect us to ask for the purchase contract, a line-item scope of work, your comps or appraisal, your entity documents and a personal guaranty from the principal.