Disclaimer: Rate data is updated weekly. Last updated: April 14, 2026. Rates change daily — always contact lenders directly for a current quote. DSCRFinder.com does not guarantee rate accuracy from third-party lenders.
DSCR Loan Rates in Pennsylvania — April 2026
Pennsylvania offers a diverse investment landscape: Philadelphia's large urban rental market, Pittsburgh's revitalized tech and medical economy, and numerous affordable secondary markets (Allentown, Reading, Scranton) with strong rent-to-value ratios.
As of April 14, 2026, the national 30-year fixed rate for primary residences is 6.40% (Bankrate). DSCR loans in Pennsylvania typically run 7.15% to 8.75%.
April 2026 Pennsylvania DSCR Rate Table
| Borrower Profile | DSCR | FICO | Down Payment | Rate Range | |---|---|---|---|---| | Best-qualified | 1.25+ | 740+ | 30%+ | 7.15% – 7.50% | | Strong | 1.25+ | 720–739 | 25% | 7.50% – 7.75% | | Standard | 1.0–1.24 | 680–719 | 20–25% | 7.75% – 8.25% | | Moderate | 0.75–0.99 | 660–679 | 20% | 8.25% – 8.50% | | Challenging | Below 0.75 | Below 660 | 20% | 8.50% – 8.75%+ |
Pennsylvania DSCR Market by City
Philadelphia
Philadelphia is the largest rental market in Pennsylvania. Strong demand from universities (Penn, Drexel, Temple), hospitals, and a large working-class renter base. Philadelphia has a wage tax and some of the highest property taxes among PA cities. DSCR ratios of 0.95–1.20 are typical for well-selected properties. The Philadelphia suburbs (Delaware County, Montgomery County) offer better DSCR ratios than the city.
Pittsburgh
Pittsburgh has transformed from a steel town into a major tech, healthcare, and education hub (Carnegie Mellon, University of Pittsburgh, UPMC). Home prices remain very affordable relative to rents, producing DSCR ratios of 1.10–1.40. Pittsburgh is one of the best-value DSCR markets in the Northeast.
Allentown / Lehigh Valley
The Lehigh Valley has benefited enormously from its position as a logistics hub (Amazon, UPS, FedEx have major facilities here). Strong warehouse worker rental demand + affordable prices = DSCR ratios of 1.10–1.35.
Pennsylvania Market Fundamentals
| Market | Median Price (SFR) | Typical Monthly Rent | Est. DSCR | |---|---|---|---| | Philadelphia | $200,000 – $320,000 | $1,500 – $2,200 | 0.95 – 1.20 | | Philadelphia suburbs | $300,000 – $440,000 | $1,900 – $2,600 | 1.00 – 1.20 | | Pittsburgh | $160,000 – $260,000 | $1,300 – $1,900 | 1.10 – 1.40 | | Lehigh Valley | $240,000 – $340,000 | $1,600 – $2,100 | 1.05 – 1.30 |
Pennsylvania Landlord-Tenant Law
- No statewide rent control (Philadelphia has not enacted rent control as of 2026)
- Eviction process — 10-day notice for non-payment; Philadelphia courts can be slow (6–10 weeks); suburban courts faster
- Property taxes — highly variable; Philadelphia uses its own assessment system; suburbs vary by county
- Philadelphia wage tax — applies to rental income earned by Philadelphia residents; check with a tax advisor
How to Get the Best DSCR Rate in Pennsylvania
- Pittsburgh offers the best value DSCR deals in PA — strong yields, low prices, growing economy
- Lehigh Valley logistics corridor is a strong long-term hold market
- Philadelphia suburbs often outperform the city for DSCR ratios
- Verify Philadelphia-specific property taxes carefully — they differ significantly from suburban PA
- Use our lender comparison to find lenders active in Pennsylvania
Related: Current DSCR Rates April 2026 | DSCR Rates by State | DSCR Calculator | Compare Lenders
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