Pittsburgh’s Trusted Hard Money Lender for Real Estate Investors

Pittsburgh's real estate market presents exceptional opportunities for investors who understand the city's transformation from industrial powerhouse to thriving tech and healthcare hub. Neighborhoods like Lawrenceville, East Liberty, and the Strip District are experiencing unprecedented growth. Unitas Funding provides the private loans Pittsburgh real estate investors need to capitalize on these opportunities with speed and confidence.

We partner with real estate investors throughout Pittsburgh and Allegheny County, providing the capital, expertise, and flexibility required to succeed. With 10,000 loans funded and $5 billion in real estate investment loans, our Pittsburgh hard money lenders bring institutional strength and local market knowledge to every deal.

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Fast, Reliable Capital for Your Next Real Estate Deal

While traditional banks require 30-45 days to process applications, Unitas Funding closes hard money loans in as little as 10 business days. Our streamlined underwriting focuses on property value and deal fundamentals. You receive same-day pre-approvals and transparent communication throughout the entire process.

Fix & Flip Loans

Fix & Flip Loans

Our fix-and-flip loans deliver up to 92.5% loan-to-cost financing, covering both acquisition and rehabilitation expenses. We evaluate properties based on after repair value (ARV) and your exit strategy, providing the capital you need to maximize profit margins. Our flexible loan structures and responsive draw process keep your projects moving forward without delays.

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New Construction Loans

New Construction Loans

Unitas provides comprehensive new construction funding for residential developments throughout the Pittsburgh metropolitan area. Our experienced team works with you from initial site acquisition through final completion. We process draw requests within 24-48 hours after inspection approval, ensuring your contractors stay on schedule and your project maintains momentum.

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Bridge Loans

Bridge Loans

Our bridge loans provide the short-term financing you need to secure properties immediately, whether you're transitioning between projects, waiting for permanent financing approval, or stabilizing a property before refinancing. Unitas delivers the certainty and speed that traditional lenders cannot match.

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DSCR Loans

DSCR Loans for Rental Properties

Our debt service coverage ratio (DSCR) loans qualify based on rental income analysis, eliminating the need for W-2 verification or personal tax return documentation. Whether you're targeting student housing near the University of Pittsburgh or professional rentals in Shadyside, our asset-based approach streamlines qualification and accelerates your portfolio growth.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Our $4.5 billion in backed capital ensures your funding is secure and reliable, while our direct lending model eliminates the delays and uncertainty common with traditional banks. You work directly with decision-makers who understand real estate investing and can structure creative solutions for complex deals.

  2. More Ways to Say 'Yes' to Your Deal
    Unitas evaluates your specific project, timeline, and investment goals rather than forcing you into standardized boxes. Our underwriting team brings decades of combined experience in real estate and construction, enabling us to structure deals that other lenders reject.

  3. Certainty From a Direct Lender
    As a direct lender managing our own capital, we don't sell loans to secondary markets or rely on outside funding sources. This means no last-minute surprises, no funding freezes, and no uncertainty about whether your deal will close.

  4. Faster Funding, Faster Draws
    Our Pittsburgh hard money lenders approve draw requests within 24-48 hours after receiving inspection reports, keeping your contractors paid and your project on schedule. With no arbitrary limits on draw frequency and transparent communication at every stage, you maintain complete control over your project timeline.

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Get Pre-Approved in 24 Hours!

Our pre-approval process delivers preliminary term sheets within 24 hours of receiving your project information. Submit your details below, and our Pittsburgh lending specialists will evaluate your deal and provide clear, transparent rates and terms.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas finances all residential investment property types including single-family homes, duplexes, multifamily buildings, and ground-up construction projects. We provide fix-and-flip financing, bridge loans, new construction funding, and DSCR rental property loans throughout Pittsburgh and surrounding Pennsylvania markets. All financing is business-purpose only through business entities.

How quickly can you close on an Pittsburgh investment property?

Unitas closes hard money loans in Pittsburgh in as little as 10 business days when you provide complete documentation. Most deals receive same-day pre-approval and move to final approval within 3-5 business days, subject to title clearance and property valuation completion.

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

We provide up to 92.5% loan-to-cost financing on qualified fix-and-flip projects, with interest rates starting at 8.99%. Specific LTC ratios and rates depend on property location, your experience level, project scope, and current market conditions.

Do you require personal income verification for DSCR loans?

No. DSCR loans qualify based on property income analysis rather than personal income documentation. We evaluate the debt service coverage ratio by comparing projected rental income against the proposed loan payment, eliminating the need for W-2s or personal tax returns.

What areas of Pittsburgh do you serve?

Unitas provides private loans for Pittsburgh real estate investors throughout the greater Allegheny County region. We finance investment properties in all Pittsburgh neighborhoods including Lawrenceville, Shadyside, East Liberty, Highland Park, and beyond. Our lending coverage extends to surrounding counties including Butler, Washington, and Westmoreland.

Ready to Fund Your Next Pittsburgh Real Estate Investment?

Unitas Funding provides the fast, flexible capital you need to compete and win in today's competitive environment. Our Pittsburgh hard money lenders offer a combination of institutional strength, local market expertise, and personalized service means you get more than financing. Contact us today to discuss your project and experience the Unitas difference.

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