Hard Money Lender in Bethlehem, PA

Bethlehem, Pennsylvania has transformed from a steel city into one of the Lehigh Valley's most dynamic real estate markets. With Lehigh University anchoring the South Side, St. Luke's Health Network expanding on the North Side, and Wind Creek Bethlehem drawing tourism year-round, investor demand for residential and mixed-use properties is accelerating.

Unitas Funding provides hard money loans in Bethlehem for fix-and-flip rehabs, new construction projects, bridge financing, and DSCR rental acquisitions. We close in 10 business days with rates starting at 8.99% and LTC up to 92.5%—giving Bethlehem investors the capital velocity they need.

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Fast, Reliable Capital for Your Next Bethlehem Deal

Stop losing Bethlehem deals to cash buyers while you wait on conventional lenders. Unitas issues real pre-approvals in 24 hours—not pre-qualifications. Whether you're rehabbing a South Side rowhome or acquiring a Lehigh Valley rental portfolio, we have the capital to close.

Fix & Flip Loans

Fix & Flip Loans

Bethlehem's historic housing stock—rowhouses, twin homes, and Victorian-era properties—creates strong fix-and-flip opportunities on the South Side and in Fountain Hill. Unitas funds up to 92.5% LTC with 24- to 48-hour draw schedules to keep your rehab on schedule.

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New Construction Loans

New Construction Loans

New construction in Bethlehem is filling gaps in workforce housing near hospital corridors and university employment centers. Unitas provides phased draw construction loans with flexible 12- to 24-month terms and same-week approval turnaround.

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Bridge Loans

Bridge Loans

Bethlehem bridge loans from Unitas cover investors who need to acquire a new property before a pending sale closes, or who need short-term financing while arranging a longer-term refinance. Fast execution with no income verification requirements.

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DSCR Loans

DSCR Loans for Rental Properties

Bethlehem DSCR loans are underwritten on the rental income of the investment property—not the borrower's personal income. With strong rental demand from Lehigh University students and Lehigh Valley healthcare workers, DSCR deals in Bethlehem perform well.

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What Makes Unitas Different in Bethlehem

  1. Local Market Understanding
    We understand Bethlehem's neighborhood-by-neighborhood dynamics—from South Side student rentals to North Side workforce housing near St. Luke's. Our underwriters evaluate each deal on actual local market conditions.

  2. Speed and Capital
    Bethlehem investors compete against cash buyers in a fast-moving Lehigh Valley market. Unitas delivers 24-hour pre-approvals and closes in 10 business days—not 45.

  3. Flexible Loan Structure
    Whether you're flipping a South Side rowhome or ground-up constructing near Lehigh's campus, Unitas tailors loan terms to your project timeline with 12-, 18-, and 24-month options.

  4. Proven Track Record
    More than $4.5 billion deployed across hundreds of markets gives Unitas the scale and experience to fund dozens of Bethlehem deals with confidence and speed.


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Get Pre-Approved in 24 Hours!
Stop losing Bethlehem deals to buyers with faster financing. Our pre-approvals are real commitments backed by $4.5 billion in deployed capital—not soft estimates that fall apart at closing. Get your Bethlehem investment pre-approved today.

Frequently Asked Questions

What types of investment properties do you finance in Bethlehem, PA?

Unitas Funding finances residential investment properties in Bethlehem including single-family homes, multifamily up to 4 units, townhomes, and mixed-use buildings. We offer fix-and-flip, new construction, bridge, and DSCR loan programs exclusively for business entities and investment purposes.

How quickly can you close on a Bethlehem investment property?

Unitas closes in 10 business days in Bethlehem. Pre-approvals come within 24 hours and final approvals within 3 to 5 business days—significantly faster than conventional lenders who typically require 30 to 45 days.

What are your loan-to-cost ratios for Bethlehem fix-and-flip projects?

We lend up to 92.5% LTC on qualified Bethlehem fix-and-flip deals with rates starting at 8.99%. Our underwriting considers the purchase price, renovation scope, and after-repair value to structure the right loan for your specific project.

Do you require personal income verification for DSCR loans in Bethlehem?

No. DSCR loans from Unitas are based on the investment property's income potential, not personal W-2s or tax returns. You'll need business entity documentation and adequate liquidity for the down payment.

What areas of Bethlehem do you serve?

Unitas serves investors throughout Bethlehem including the South Side, North Side, Historic District, West Side, Fountain Hill, and neighboring Lehigh Valley communities in Northampton and Lehigh Counties.

 

Ready to Fund Your Next Bethlehem Real Estate Investment?

Unitas Funding provides the fast, flexible private capital Bethlehem real estate investors need to close deals in Pennsylvania's rapidly growing Lehigh Valley market. From South Side rowhome rehabs to DSCR rentals near Lehigh University, we fund projects across Northampton County and the greater Bethlehem metro. Contact us today to discuss your Bethlehem investment property financing.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.