Non-QM
Cross-Collateral DSCR in Philadelphia, PA
Philadelphia is a city of 1.6 million people, and Custom Mortgage arranges Cross-Collateral DSCR loans there and elsewhere in Philadelphia County, including Center City and Rittenhouse Square. Philadelphia's median home value of $243,100 tracks the Philadelphia County median of $243,100 closely (Census ACS 2020-2024 5-year). Philadelphia County's 2026 conforming limit, $832,750, is 3.4 times that median, so loan size seldom binds.
Households in Philadelphia earn a median $61,953 a year. Ownership is close to an even split, at 52% of occupied homes. Half the housing was built before 1950, so appraisals and inspections often turn on the condition of older systems. Median gross rent is $1,397 a month.
Cross-Collateral DSCR Highlights
- Leverage multiple properties for qualification, enhancing your borrowing capacity.
- Ideal for real estate investors seeking to expand their portfolios.
- DSCR-focused underwriting allows for qualification based on property cash flow, not just personal income.
National Rate Index (Freddie Mac PMMS)
30-Year Fixed Rate
7.18%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
15-Year Fixed Rate
6.57%
as of 11/5/2026 · Freddie Mac PMMS · live · 2026-11-05
Rates are national averages and may differ from your actual rate. Contact us for a personalized quote.
Get Your Rate →Market-data snapshots: FHFA 2026 (live); HUD FYunavailable (bundled); Census ACS 2024 (bundled).
Philadelphia County at a glance
- Philadelphia median home value
- $243,100
- Source: Census ACS 5-year, Philadelphia city, Pennsylvania, 2020-2024
- Philadelphia median household income
- $61,953
- Source: Census ACS 5-year, Philadelphia city, Pennsylvania, 2020-2024
- Philadelphia owner-occupied homes
- 52%
- Source: Census ACS 5-year, Philadelphia city, Pennsylvania, 2020-2024
- Philadelphia median gross rent
- $1,397
- Source: Census ACS 5-year, Philadelphia city, Pennsylvania, 2020-2024
- Philadelphia median year built
- 1949
- Source: Census ACS 5-year, Philadelphia city, Pennsylvania, 2020-2024
- Conforming loan limit (1 unit)
- $832,750
- Source: FHFA, 2026
- Conforming loan limit (4 units)
- $1,601,750
- Source: FHFA, 2026
- Median owner-occupied home value
- $243,100
- Source: Census ACS 5-year, 2024
- Median household income
- $61,953
- Source: Census ACS 5-year, 2024
- Owner-occupied homes
- 52%
- Source: Census ACS 5-year, 2024
- Median gross rent
- $1,397
- Source: Census ACS 5-year, 2024
- Home value to income ratio
- 3.9
- Source: Census ACS 5-year (computed), 2024
2026 Conforming Loan Limits: PHILADELPHIA
1-Unit (SFR)
$832,750
2-Unit (Duplex)
$1,066,250
3-Unit (Triplex)
$1,288,800
4-Unit (Fourplex)
$1,601,750
Source: FHFA 2026 Conforming Loan Limits. Loans above these limits require jumbo financing.
Cross-Collateral DSCR in Philadelphia, PA
Philadelphia mortgage lending. FHA, VA, conventional, and first-time homebuyer programs.Custom Mortgage & Real Estate specializes in providing high-fidelity Cross-Collateral DSCR solutions tailored to the unique economic landscape of Philadelphia and the surrounding Philadelphia County.
Our FinTech-driven approach allows us to offer competitive rates and streamlined processing for homeowners and investors across the entirePhiladelphia metropolitan area.
Service Areas & Neighborhoods
Our Philadelphia Presence
Local Knowledge. Global Rates.
16501 Ventura Blvd STE 400
Encino, CA 91436
Direct Line
877-976-5669Application Process
Six simple steps from application to funding
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Application
Complete our streamlined online application form with your financial information
Document Review
Submit required documentation for verification and processing
Pre-Approval
Receive conditional approval and loan terms based on your profile
Title & Escrow
Open escrow and complete title search and insurance requirements
Appraisal & Final Review
Property appraisal completed and final underwriting approval received
Funding
Sign final documents and receive your loan funds
Why Choose Custom Mortgage?
Your trusted partner in real estate financing
Extensive Experience
Over 25 years of proven expertise in mortgage lending and real estate financing
Comprehensive Loan Options
Wide range of programs from conventional to specialized non-QM and hard money solutions
Nationwide Coverage
Licensed in multiple states with the ability to fund loans across the country
Flexible Solutions
Customized financing options for unique situations that traditional lenders decline
Competitive Rates
Access to wholesale pricing and volume discounts passed directly to our clients
No Upfront Fees
Transparent pricing with no application fees or upfront costs to get started
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Our AI Instant Advisor analyzes your situation — credit, loan amount, property type — and matches you to the right program. No credit pull. No obligation.
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Quick quote or detailed payment estimate — no credit pull
Quote Wizard
AI-Powered Rate Intelligence
Step 1: Loan Foundation
Mortgage Estimator
Freddie Mac 30-yr average, week of Apr 19, 2026. Not a quote.
Principal & Interest Only
Common Questions About Cross-Collateral DSCR in Philadelphia
Yes, by $589,650: $243,100 median versus a $832,750 one-unit limit.
At a 1.0 ratio, at least the full payment: principal and interest on a $182,325 loan (a quarter down on $243,100) come to about $1,235 a month at 7.18% (Freddie Mac PMMS 30-year fixed rate as of 2026-11-05). The Philadelphia median gross rent of $1,397 covers that with $162 left for taxes and insurance, and DSCR pricing usually runs above PMMS.
At least $48,620 before closing costs (80% maximum LTV on $243,100). Close to 9 months of gross pay at the $61,953 local median.
3.9 times the $61,953 median household income, about the same as across Philadelphia County. That fits common debt-to-income limits.
See all Cross-Collateral DSCR questions and program details
Cross-Collateral DSCR by Location
Get local rates, loan limits, and market data for Cross-Collateral DSCR in your area.
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View county-level market data, loan limits, and mortgage rates on our territory pages.
Browse All Territories →Reviewed by Eve Sanchez, Chief Compliance Officer · Updated 2026-11-04 · Custom Mortgage Inc., NMLS #1556995
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