CASH-OUT REFINANCE · Pennsylvania (PA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Pennsylvania Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Pennsylvania Cash-Out Refinance provide business-purpose real estate investors with Up to 75% LTV Cash-Out (Select 80% LTV Tiers) across loan amounts from $100,000 – $15,000,000+ at 6.625% – 8.375% (30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only, 640 – 680+ FICO min FICO, 14 – 21 Business Days close). In Pennsylvania (PA), lenders underwrite to a Judicial (Action in Mortgage Foreclosure) statutory framework (180–250 days-day average timeline), a 1.49% average property tax rate (~$391/mo at the $315,000 state median), and $490/$100K hazard insurance (~$129/mo).

Max Leverage / LTC
Up to 75% LTV Cash-Out (Select 80% LTV Tiers)
Min FICO: 640 – 680+ FICO
2026 Rate Band
6.625% – 8.375%
30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only
PA Security Instrument
Judicial (Action in Mortgage Foreclosure)
180–250 days days avg timeline
PA Avg Tax & Ins
1.49% Tax
$490/$100K Hazard Ins

Pennsylvania County-Level Property Tax & Insurance Hubs (3)

Philadelphia County, PA
Philadelphia County, PA · 1.39% Tax · $640/$100K Ins
Allegheny County, PA
Allegheny County, PA · 1.92% Tax · $560/$100K Ins
Montgomery County, PA
Montgomery County, PA · 1.48% Tax · $550/$100K Ins

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Pennsylvania Cash-Out Refinance (2026) — Up to 75% LTV Cash-Out (Select 80% LTV Tiers), 6.625% – 8.375% | Stephen R. Mannenbach | Stephen Mannenbach