Fix and Flip Loans

Harrisburg, PA

Fast, Flexible, Reliable, No B.S. Loans, by Investors for Investors


Street-smart, high-leverage loans to help investors purchase, renovate, and sell a property.

  • Rates as low as 10%
  • Up to 85% LTC or 70% LTARV (whichever is less)
  • Up to 80% LTV of purchase price
  • 100% rehab financing
  • 6-24 month terms
  • No prepayment penalty


Loans for investors to purchase, fix, and rent a property. A.k.a. “BRRRR,” “rehab to rent,” or “buy and hold” loan.

  • Rates as low as 10% (rehab) and 7.25% (rental)
  • Up to 85% LTC on rehab
  • Up to 80% LTV of purchase price
  • 100% rehab financing
  • 5/1, 7/1 and 10/1 fixed/adjustable, 30-year fixed (rental)
  • 1-4 SFR, townhomes, or condos

We give you speed, transparency, expertise and a personalized capital partnership that you are just not going to find anywhere else.




Fix and Flip Loans

Our Kick-A$$ Fix and Flip loans are fast, creative, lending solutions targeted to the challenges of investors who are property flipping. (We understand what you are looking for in a fix and flip lender because we’re investors, too, with plenty of real estate flipping experience!)

Forget the cash flip! Compared to other lenders and fix and flip companies, our loans give house flipping investors high leverage, quick-to-close, straight-forward investment property financing … with no surprises.

Fix to Rent Loans

Lenders suck! We know! That’s why we are all about making your lender experience with us suck a lot less. Our Fix to Rent loan funds your entire project from purchase, to rehab, to rental. This means a faster turnaround on your money, less paperwork, one lender, and a lot less hassle on your way to handing over the keys to your first renter!


"I appreciated the responsiveness and team effort behind getting the deal done, the communication from the team while overcoming hurdles, and the personal aspect of working with you guys…iFC was still able to close a deal when other lenders were shut down."

—iFC Borrower: Fix and Flip Loan: Single-Family Home: Ambler, PA

Closings in as

little as 7 days!

What kind of deals can we fund in Harrisburg, PA? Check these out!

Local Market Factors: Harrisburg, Pennsylvania

Are you looking for a solid real estate investment opportunity?

Understanding a city’s growth trends, housing market, and economic foundation can help an investor determine whether or not Harrisburg, Pennsylvania is a valuable location for investing in residential real estate. A healthy economy, filled with thousands of potential renters, coupled with appreciating properties, can make cities like Harrisburg a solid investment destination.

Harrisburg Growth Trends

The U.S. Census Bureau is a great place to start. You can search by city to find annual statistics on Population, Total Housing Units, Owner-Occupied Housing Unit Rate, Median Gross Rent, Building Permits, Education, Economy, and Businesses, Employment, and more.

Harrisburg Housing Market

The real estate website Redfin offers statistics on housing market trends in the U.S. searchable by city, including Median Sale Price, Number of Homes Sold, Median Days on the Market, and Sale-to List Price population. The website also has up-to-date information on Migration Trends, along with the Latest News and Housing Market Predictions.

Harrisburg Economic Foundation

What are Harrisburg’s major industries? Does the city have a variety of businesses that can provide jobs in any economy? Who are its top employers? Does it attract tourism and have entertainment draws like sports teams? Does it have universities and schools whose graduates can feed the economic growth of the city?

Here’s a snapshot of Harrisburg’s Economy, Tourism and Sports, and Higher Education facilities.

Economy: This historic city, which began as a trading post in the early 1700’s, is the capital of Pennsylvania.

The city’s primary industries are healthcare, a growing tech industry, and government services.

Harrisburg’s large employers include Tyco Electronics, IBM, Hershey Foods, Harsco Corp and Rite Air. Amazon, Giant Food Stores, Wal-Mart, Exel, Holy Spirit Hospital and Pinnacle Health Medical Services, and UPMC Pinnacle Hospitals are also major employers. Purina, Cargill, Carlisle, Land O’ Lakes, The Warrell Corporation and American Mint also have locations in Harrisburg.

Tourism/Sports: Attractions like the National Civil War Museum, the nearby Rolls Royce Museum and Appalachian Trail Museum, The Hershey Theatre and Hersheypark (c’mon – who doesn’t love a chocolate-themed park!), and Roundtop Mountain Resort are among the area’s tourist draws. The City Island’s little island on the Susquehanna River is a fun destination for families.

Education: Harrisburg is home to the Harrisburg University of Science and Technology (a leading STEM university) and HACC, Central Pennsylvania’s Community College, among others.

Don’t forget that i Fund Cities’ Fix and Flip, Fix to Rent, New Construction, New Construction, Rental, Multifamily and Bridge financing products can help you enter a thriving market and close quickly with reliable funds!

We know you because we are you­. We are entrepreneurial investors and creative thinkers. We value upfront, honest talk about deals, business and life. Like you, we show up for the people around us and we deliver.

Like you, we are more hustle and grit than suit and tie!


What property types does iFC offer loans for?
  • Single Family Residential
  • Townhomes
  • Condos
  • Multifamily (5 or more units)
  • SFR Portfolio Rentals (up to 200 Units)
Can you finance properties that will be used for short-term rentals?
We are currently not financing commercial-mixed-use properties).
Are there any exceptions to property types for financing?
We do not fund properties that are designated as “rural.”
Can you finance commercial retail?
Yes – if 50% of the building is residential.
Can I do a 30-year mortgage purchase?
Yes, if it’s rented and the borrower’s credit score is above a 660.
What states does iFC lend in?
We lend in all 50 states except for California, New York, and Nevada.
Can I borrow from iFC if I am from another country?
iFC can provide loans to both U.S. Citizens and Foreign Nationals.
Can I (or a friend or family member) live in my property funded with an iFC loan?
As the borrower, you are not able to live in the property. However, a family member can occupy your iFC funded property.
What are your rates?
Our rates vary by loan type. (See the appropriate loan page on our website for current rates.) Quick tip: do not believe the low-rate marketing gimmicks you see out there in the lending world. The following criteria always determine rates:
  • Loan type
  • Real estate asset
  • Investor experience
  • Investor credit score
  • Investor liquidity
  • Deal Profitability
How do I get my rates down?
  • Execute, execute, execute. The more successful projects you do, the lower your rate will be.
  • Have a good credit history and score or bring in someone to back you who does.
  • Educate us, the lender, on future projects, goals, and growth plans.
  • Build a trusting partnership with your lender with your loyalty.
How many points do you charge?
Points range from 1%-4% based on the following:
  • Real estate asset
  • Investor experience
  • Investor credit score
  • Investor liquidity
What are your other fees?
  • For your first deal, we charge a one-time application fee of $200
  • Legal document: $1850
  • Appraisal: market rate, paid directly by the borrower
  • Draw inspections $250
What is your leverage?
Leverage depends on the loan type, and is based on the real estate asset, as well as investor experience, credit score, and liquidity.
Does iFC have minimum and maximum loan amounts?
Yes, depending on the loan type, our minimum loan amount is $75K and our maximum loan amount is $10M.
Do you do loans for both a property purchase and the repairs?
Yes. For certain types of loans, we can lend up to 80% of the purchase price of the asset and 100% of the construction financing. (Give us a call for the specifics on your desired loan type.)
Is there a prepayment penalty?
Yes … and no. Some of our loan types do have prepayment penalties, but others do not. Give us a call and we are happy to discuss this with you!
What length of loan terms does i Fund Cities offer?
iFC’s loan terms vary depending on the type of investment loan needed. Generally, we offer 6 to 24 month short-term loans, and 30 year fixed, and 5/1, 7/1 and 10/1 fixed/adjustable, 30-year fixed.
What is your seasoning for a cash-out refi?
If the borrower owns the property for over 6 months, we can use the current appraised value. If the property is owned for less than 6 months, we use the purchase price of the property.
Do I need a business entity to get an iFC loan?
Yes, you will need to have an LLC, a Limited Partnership, a General Partnership, a Corporation, or a Trust.
Does iFC have a minimum credit score for funding?
Yes. We require a minimum FICO score of 660, depending on the loan type.
What documents do you need from me for underwriting loans?
Our underwriting process is less extensive than a traditional bank. We also make it as transparent and straightforward as possible. The exact documents we need will depend on the loan type you apply for. We generally ask for the following:
  • Contact info for Buyer (and Guarantors), and your title and insurance companies
  • Loan application + driver’s license
  • Agreement of Sale or Deed
  • Buyer’s real estate experience/history
  • Project/entity information
  • Construction budget
  • 2 months’ bank statements
  • ACH wire transfer info and W-9
  • Property leases (when applicable)
Do you do an appraisal?

Yes. We do an appraisal using LOCAL appraisers. (Using appraisers from large, national appraisal management companies can impact appraisal quality and slow down the loan process.)

*We also have the ability for seasoned investors (7+ deals completed) to use software on your cell phone that allows your superintendent to take pictures, rather than doing a full inspection.

**We also offer desktop appraisals for fix & flip loans. We need interior photos and a budget for this style appraisal.

“Our success comes from showing our investors that we know their business, we care about their success, and we have their back.”—Ryan Herting, iFC Co-founder


If game-changing success is your goal,

then give us a shout!

STEP 1: Get a quote for your project

Fill out our deal form and get a quote in under two minutes. Once complete, someone on our team will follow up with a customized lending solution and terms.

STEP 2:  Accept the terms

We then issue preliminary pricing for your review. If the price is right, and you wish to move forward with iFC, a formal term sheet will be digitally issued for your signature. Sign and we will kick things into high gear!

STEP 3:  Finish paperwork/appraisal

Paperwork sucks, but we are here to help you along the way. After we collect the agreement of sale, construction budget, title, and insurance contact information from you, we order your appraisal from a LOCAL company, (not a national appraisal management company, which can impact appraisal quality and delay your loan).

STEP 4:  Close your deal!

Provide us with supporting documents in a timely fashion (your real estate experience, driver’s license, entity information, and source of cash), and we will get you to closing in as little as 7 days.


We have been buying and building real estate in the Greater Philadelphia market since 2008. We built this lending platform for investors after our own personal lending experience, to disrupt the way traditional lending is done for investors. The iFC Team works relentlessly to make sure our customers’ experience is nothing shy of outstanding. Supportive of one another, and of our borrowers, iFC Team members are the type of people you want to be around—we inspire and motivate. Our intention is to create successful, long-term, transparent relationships with our partners and clients. Learn More