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Financing for duplexes, triplexes, and apartment buildings across Philadelphia — qualified on the property's rental income, not your tax returns. Fast closings for investors.
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Philadelphia's dense rowhome neighborhoods, strong rental demand, and steady stream of duplex and triplex inventory make it one of the most active multi-family investment markets in the Northeast. But financing these properties through a conventional bank can be slow and frustrating — especially when your tax returns don't reflect your real earning power as an investor.
Bentley Equity Loans finances multi-family investment property across Philadelphia based on what actually matters: the income the building produces. Whether you're buying your first duplex in Fishtown, refinancing a fourplex in West Philly, or scaling into a larger apartment building, we structure the loan around the property's cash flow so you can move quickly and keep growing.
From a Philadelphia duplex to a 50-unit apartment building, we finance the full range of multi-family investment property.
Our DSCR-based approach underwrites the loan on the property's rent, so strong deals qualify even when personal income is complex.
Skip the conventional-bank runaround. We move at the pace investors need to win competitive Philadelphia deals.
Acquire a new building, refinance to better terms, or pull equity out to fund your next Philadelphia investment.
Close in your LLC or holding company — the way serious multi-family investors structure their portfolios.
Less paperwork than a traditional bank. We focus on the deal, not on stacks of personal tax returns.
Philadelphia offers a rare combination for multi-family investors: relatively accessible entry prices compared to other major East Coast metros, a deep renter base driven by universities, hospitals, and a growing job market, and a housing stock rich in two-to-four-unit properties that are ideal for house-hacking and cash flow.
Neighborhoods like Fishtown, Kensington, Point Breeze, West Philadelphia, and South Philly continue to draw investor attention for their rental demand and value-add potential. Financing that matches this opportunity — fast, flexible, and income-based — is what lets investors actually capitalize on it.
We finance the full spectrum of multi-family investment property in Philadelphia:
Instead of scrutinizing your personal debt-to-income ratio, we look at the property's debt service coverage ratio (DSCR) — the relationship between the rent it generates and the loan payment. If the building's income comfortably covers the debt, the deal works, regardless of how your personal tax returns look.
This is the single biggest advantage for active investors, self-employed borrowers, and anyone building a portfolio in an entity. You can estimate your numbers with our DSCR calculator before you even apply.
| Feature | Bentley Multi-Family Loan | Conventional Bank |
|---|---|---|
| Qualifies on | Property rental income | Personal tax returns & DTI |
| Close in an LLC | Yes | Often difficult |
| Speed | Investor-paced | Slow, document-heavy |
| Number of properties | Portfolio-friendly | Often capped |
| Best for | Active investors & scaling portfolios | Owner-occupants |
Send us your scenario and get a custom quote — usually within 24 hours, with no credit pull to start.
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