PRIVATE MONEY LOANS · Pennsylvania (PA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Pennsylvania Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Pennsylvania Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 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 80% LTV / 85% LTC
Min FICO: Flexible Credit / Equity-Driven
2026 Rate Band
8.99% – 11.25% Interest-Only
6 to 36 Months 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)

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Pennsylvania Private Money Loans (2026) — Up to 80% LTV / 85% LTC, 8.99% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach