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DSCR loans in Pennsylvania

Quick answer

DSCR loans in Pennsylvania qualify investors on a property's rental income instead of personal income, typically with 20%–25% down and a 660+ credit score.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

DSCR loan snapshot for Pennsylvania

ItemEstimate
Minimum down payment20%–25%
Minimum credit score660–700
Typical PA home value$240,500
3.5% down on typical home$8,418
20% down on typical home$48,100
Avg. effective property tax1.35%/yr (~$270/mo)
Income for typical home (31% rule)$79,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Pennsylvania programs pair with DSCR loans?

  • Keystone Advantage Assistance: A 0% second loan for down payment and closing costs repaid over 10 years.
  • Keystone Forgivable in Ten Years (K-FIT): Assistance forgiven over 10 years for eligible buyers.

Details and current limits: Pennsylvania Housing Finance Agency (PHFA).

How is DSCR calculated?

Lenders divide the property's market rent (from an appraiser's rent schedule or an existing lease) by the full monthly payment: principal, interest, taxes, insurance and any HOA dues. Example: $2,400 rent ÷ $2,000 payment = 1.20 DSCR.

Typical DSCR loan requirements

  • Down payment: 20%–25% (sometimes 15% for strong files).
  • Credit: 660–700 minimum.
  • Reserves: commonly 3–12 months of payments.
  • Property types: 1–4 unit homes, condos and townhomes; some lenders allow short-term rentals.

DSCR loans in Pennsylvania cities

PhiladelphiaPittsburghAllentownReadingErieBethlehemScrantonLancasterLevittownHarrisburgYorkWilkes-BarreAltoonaState CollegeNorristownChesterBethel ParkDrexel HillHazletonEastonMonroevilleWilliamsportPlumLebanonKing of PrussiaPottstownAllison ParkChambersburgNew CastleCarlisleBaldwinMurrysvilleWest MifflinWest ChesterPhoenixvilleLansdaleJohnstownColonial ParkMcKeesportFullertonHanoverHermitageHorshamWeigelstownFranklin ParkWhitehallGreensburgHersheyIndianaArdmoreWilkinsburgDunmoreWillow GroveEphrataCarnot-MoonMontgomeryvillePottsvilleWashingtonKingstonCoatesvilleButlerSharonBloomsburgMeadvilleSt. MarysJefferson HillsYeadonNew KensingtonElizabethtownMountain TopEmmausLower BurrellProgressWyomissingLansdowneWaynesboroShilohBroomallDarbyMunhallNanticokeNorthamptonBerwickWoodlynColumbiaRoslynWillow Street

Frequently asked questions

Yes. DSCR loans are available statewide in Pennsylvania through approved lenders, subject to county loan limits where they apply.

Often yes. Pennsylvania Housing Finance Agency (PHFA) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.