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Crowdcopia

Crowdcopia

Philadelphia
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Crowdcopia

Philadelphia, Pennsylvania
Website

Vetted Provider

This vendor has been evaluated and confirmed as active, reputable, and qualified to lend.

About

2016
Year Founded
Crowdcopia is a Philadelphia-area direct private lender founded in 2016 by Thomas Domalski, Luke Taylor, and Craig LaCagnina - three real estate operators who built the company they wish had existed when they were borrowers. Before founding Crowdcopia, the team collectively spent decades as landlords, flippers, property managers, and construction company operators across the Philadelphia market. Co-founder Craig LaCagnina leads the in-house construction department, bringing 20+ years of hands-on construction experience and oversight of 300+ gut renovations. Because Crowdcopia does not sell its loans, the founding team remains directly accountable to every borrower throughout the life of the loan. Known for concierge-level service, 1-2 day draws, no appraisal requirements, and up to 100% financing on construction/rehab budgets, Crowdcopia has built a loyal following among Philadelphia-area investors since 2016.

Key Differentiators

Why investors choose this lender:

  • Greater Philadelphia specialists — hyperlocal focus on the Philly metro's active SFR and small multifamily investment market
  • All 4 loan types — fix-and-flip, bridge, new construction, and DSCR rental under one local Philly lender
  • Crowdfunding-backed capital — unique investor-funded model providing community-connected capital to local real estate investors
  • Direct local decision-making — no corporate layers, underwriting by a team with deep Philadelphia market knowledge

Where They Lend

Local
Pennsylvania (Philadelphia Metro)
Crowdcopia lends in the Greater Philadelphia area, Pennsylvania. Local market expertise focused on Philadelphia metro neighborhoods. Contact Crowdcopia directly to confirm specific county and property type eligibility for your deal.

Loan Types, Structures and Terms

Contact for Loan Amounts
Typical Loan Amounts
Contact for Terms
Typical Terms
Contact for Rates
Typical Interest Rates
Contact for Fees
Typical Points
Crowdcopia offers fix-and-flip, bridge, construction, and BRRRR/rental loans in the Greater Philadelphia area. Up to 100% financing on construction and rehab budgets for qualified deals. In-house valuations - no appraisal required. Concierge-level support throughout every project.
Fix-and-Flip
New Construction
Rental (DSCR)
Short-Term Bridge
Crowdcopia Fix-and-Flip loans cover purchase and up to 100% of rehab costs for Greater Philadelphia investors, with same-day decisions, no appraisal required, and 1-2 day draws via an in-house construction inspection team.
Fix & Flip FeatureStructure & Terms
Project TypesResidential fix-and-flip, rehab-and-refinance, purchase-only, and rehab-to-sell projects in the Greater Philadelphia area. Single-family, multifamily, and commercial properties considered. First-time flippers and experienced developers both accepted. No appraisal required - Crowdcopia conducts in-house valuations.
Leverage & FundingUp to 100% financing available on construction/rehab budgets for qualified deals. Ground-up builds and renovations can potentially qualify for 100% funding. Deal-focused underwriting - leverage is driven by deal strength and borrower experience rather than rigid LTV formulas. Contact Crowdcopia directly to discuss terms for your specific deal.
Construction DrawsDraws funded within 1-2 business days of in-house inspection. Clear construction draw schedule provided at closing. In-house construction team creates initial renovation estimates, inspects work, and provides construction guidance. Use FlipperForce to model your rehab budget and scope before submitting to Crowdcopia for review.
ValuationNo appraisal required. Crowdcopia conducts its own in-house property valuation at the time of inspection. Co-founder Craig LaCagnina has overseen 300+ gut renovations across the Philadelphia market and provides deal-level construction expertise that goes beyond traditional lending.
Key AdvantagesNo appraisal required. Up to 100% financing on qualified rehab budgets. 1-2 day draws. Loans never sold. Same-day or next-day lending decisions. Founded by investors and operators. In-house construction department with concierge-level support throughout your project. No hidden fees. Philadelphia-focused with deep local market knowledge.
Crowdcopia Construction loans provide up to 100% of the rehab or build budget for Greater Philadelphia ground-up and renovation projects, with 1-2 day draws via an in-house inspection team and no appraisal required.
Construction FeatureStructure & Terms
Project TypesGround-up new construction and construction-only rehab projects in the Greater Philadelphia area. Single-family, multifamily, and commercial construction. No appraisal required - in-house valuation at inspection. Concierge-level construction guidance from a team with 20+ years of hands-on building experience.
Funding CoverageUp to 100% of the construction budget potentially funded on qualified deals. Ground-up builds and full renovations both covered. Crowdcopia's commercial real estate construction loans can provide 100% funding - keeping your out-of-pocket capital focused on the acquisition rather than the build. Contact Crowdcopia to discuss leverage for your specific project.
Construction ManagementCrowdcopia provides an in-house construction team that creates initial renovation estimates, conducts draw inspections, and offers construction guidance throughout the project. Co-founder Craig LaCagnina leads this team with 300+ gut renovations and full ground-up construction experience. This is free advisory support that comes with every loan.
Draw Process1-2 business day draw funding after in-house inspection approval. Clear draw schedule provided at closing. No waiting weeks for third-party inspectors. Build your FlipperForce project schedule around the 1-2 day draw window to keep contractors paid and on schedule throughout the build.
Key AdvantagesUp to 100% construction budget funded. No appraisal required. 1-2 day draws. In-house construction expertise and guidance. Loans never sold. Philadelphia market specialists. Founded by investors who have operated construction companies. Fast decisions and no hidden fees.
Crowdcopia BRRRR and Rental loans combine the speed of fix-and-flip financing with long-term stabilization lending for Greater Philadelphia buy-rehab-rent-refinance investors, with up to 100% financing and in-house support throughout the portfolio-building process.
BRRRR / Rental FeatureStructure & Terms
Program DescriptionCrowdcopia's BRRRR and rental loan program is designed for Greater Philadelphia investors executing the buy, rehab, rent, refinance, and repeat strategy. These programs combine the speed and flexibility of fix-and-flip financing with the stability of long-term rental financing. Borrowers like Malik B. built a multi-million dollar rental portfolio using Crowdcopia's programs since 2016.
Funding CoverageUp to 100% financing available for qualified BRRRR deals, including full rehab budgets. Programs are designed to allow investors to execute the full BRRRR cycle with little-to-no out-of-pocket capital on construction. Contact Crowdcopia directly to structure the right combination of purchase and construction financing for your BRRRR deal.
Loan StructureRental loans and long-term financing designed for investment properties. Combines the short-term bridge/rehab phase with a clear refinance exit path. Rental loans provide stability of long-term financing. Contact Crowdcopia to discuss your BRRRR path and how their programs connect the acquisition, rehab, and hold phases. Use FlipperForce's BRRRR Analyzer to model your rental exit before committing to the deal.
Philadelphia FocusGreater Philadelphia area only. Co-founder Luke Taylor has personally built a 46-property rental portfolio through Bell Town Properties, and Thomas Domalski operates a 36-home Philadelphia rental portfolio through TPD Real Estate. The Crowdcopia team speaks from direct landlord experience when structuring your rental loan.
Key AdvantagesUp to 100% financing on qualified deals. Lenders who are also active landlords. 1-2 day draws during rehab phase. No appraisal required. Loans never sold. Deep Philadelphia market knowledge. Personal concierge support from a team that has personally executed the BRRRR strategy themselves.
Crowdcopia Bridge loans provide fast-close capital for Greater Philadelphia real estate investors buying, stabilizing, and refinancing properties, with same-day or next-day decisions, no appraisal required, and no hidden fees.
Bridge Loan FeatureStructure & Terms
Use CasesShort-term real estate bridge loans for purchases, as-is acquisitions, and transitional holds. Close quickly on new opportunities, stabilize the property, and refinance on your timeline. Commercial bridge loans also available. Greater Philadelphia area only. No appraisal required - in-house valuation.
Property TypesResidential, multifamily, and commercial properties in the Greater Philadelphia area. Purchase-only loans and bridge loans for stabilized properties needing transitional capital. Contact Crowdcopia to discuss your specific property type and bridge scenario.
Decision SpeedSame-day or next-day loan decisions. Fast approvals allow you to act on opportunities before competitors. Simple applications with minimal documentation: entity docs, photo ID, personal financial statement, and Crowdcopia budget/scope template. No long bank-style waits.
UnderwritingDeal-focused underwriting. Credit history reviewed but no hard minimum FICO. No appraisal required - Crowdcopia conducts in-house property valuations. No hidden fees. Transparent terms. Loans are never sold - the Crowdcopia team stays with you from origination to payoff.
Key AdvantagesSame-day decisions. No appraisal. No hidden fees. Loans never sold. Founded by investors who have personally bought, managed, and flipped properties across Philadelphia. Concierge support throughout the transaction. Commercial bridge loans also available. Fast close - coordinate title directly with the Crowdcopia team.
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Borrower Qualifications (Are you qualified?)

Crowdcopia underwrites primarily on deal strength and borrower experience, with no published minimum FICO and no appraisal required. All experience levels are accepted, from first-time flippers to seasoned developers. Minimal documentation: entity docs, photo ID, personal financial statement, and scope of work template. Loans are never sold.
Qualification ParameterLender Requirements
Experience LevelsAll Levels Considered. Crowdcopia works with first-time flippers and experienced developers alike. Underwriting is deal-focused and experience-aware. New investors are guided through the process with hands-on support. Borrowers with a strong track record gain access to Crowdcopia's highest leverage programs including up to 100% financing.
Credit RequirementNo Published Minimum FICO. Credit history is reviewed as part of the evaluation, but underwriting focuses primarily on the strength of the deal and borrower experience. No hard credit score cutoff. No appraisal required - Crowdcopia conducts its own in-house valuation at the time of inspection.
Income VerificationMinimal Documentation Required. Entity documentation, government-issued photo ID, personal financial statement, and a completed Crowdcopia budget/scope of work template (provided by the team). No W-2s or tax returns required. Asset-based underwriting focused on the deal.
Entity RequirementEntity Required. Loans are closed under a business entity. Crowdcopia assists borrowers with everything from insurance to title coordination. Loans are never sold - the Crowdcopia team remains your point of contact throughout the life of the loan. Greater Philadelphia area only.

Underwriting Process (How long will it take to get approved?)

Same-day or next-day loan decisions. No appraisal required - in-house valuation at inspection. Minimal documentation. Deal-focused underwriting with no rigid FICO requirement. Founded by investors and construction operators with deep Philadelphia market knowledge.
Stage / RequirementProcess & Timelines
ApplicationApply online with property details, budget, and scope of work. The Crowdcopia team is available to answer questions throughout the application. First-time flippers receive extra guidance. Same-day or next-day decision on all applications.
Property ValuationNo appraisal required. Crowdcopia conducts its own in-house property valuation at the time of inspection, comparing recent sales comps and reviewing the scope and budget. Co-founder Craig LaCagnina and the construction team provide the valuation based on direct market experience - not a third-party appraiser who may not know the local neighborhood.
Underwriting PhilosophyStreamlined, minimal documentation. Required: entity documentation, government-issued photo ID, personal financial statement, and completed Crowdcopia scope of work template. No W-2s, no tax returns. Deal strength and borrower experience are the primary underwriting factors. No rigid FICO cutoff - credit is reviewed as context, not as a gate.
Closing SpeedCrowdcopia coordinates directly with title to close quickly. Team assists with everything from insurance to title coordination. Loans are never sold - the same team that originated your loan stays accountable through payoff. No bait-and-switch on terms.

Draw Process (How long will it take to get draws?)

Crowdcopia funds draws within 1-2 business days using an in-house inspection team led by co-founder Craig LaCagnina, who has overseen 300+ gut renovations. A clear construction draw schedule is provided at closing. Draws are fast and reliable - a key reason borrowers return for multiple projects.
Operational StepMethodology & Timelines
Draw SystemIn-house inspection-based draws. At closing, Crowdcopia provides a clear construction draw schedule that maps payment milestones to your project scope. Draw requests are submitted through the Borrower Portal. The Crowdcopia construction team reviews the completed work and releases funds - keeping your project on schedule and contractors paid on time. Use FlipperForce to coordinate your project schedule around draw milestones.
Inspection MethodIn-house construction department conducts all draw inspections - not third-party. Co-founder Craig LaCagnina heads the department and brings 20+ years of construction experience and 300+ gut renovations completed. Initial renovation estimates, draw inspection verification, and construction consulting are all provided by the Crowdcopia team as part of the lending relationship.
Funding Turnaround1-2 business days from approved draw inspection to funded wire. This is significantly faster than lenders using third-party inspection vendors. Reliable draw speed protects your contractor relationships and critical path construction schedule. Use the FlipperForce Scheduler to map contractor dates around Crowdcopia's 1-2 day draw window.
Loan ServicingLoans are never sold. Because Crowdcopia does not sell or transfer loans to secondary market buyers, the founding team remains your contact from origination through payoff. When issues arise, the people who made the loan are still there to resolve them - a key differentiator from larger institutional lenders.