Up To 80% Cash Out
No Seasoning
FICO as low as 600
Foreign Nationals and First Time Investors 
No Income or Employment Required


DSCR Loan Maryland – DSCR (Debt Service Coverage Ratio) Loans allow for up to 85% of the purchase price or
80% Cash Out Refinance. Start building your real estate wealth today!

DSCR Loan Maryland:

Debt Service Coverage Ratio:

The DSCR loan in Maryland is designed for Real Estate Investors in Maryland who are looking to qualify for a mortgage loan based on the cash flow generated by an investment property in Maryland.

A DSCR loan does not require tax returns, proof of income or employment information to qualify

The premier rental property investment loan option for long term cash flowing properties, up to 85% LTV

dscr loan calculation

For investors who have an existing short-term loan looking for an opportunity to streamline to a 30-year term Debt Service Coverage Ratio (DSCR) loan for non-owner-occupied rental investment properties.


  • No evidence of personal income required
  • Maximize cash flow with 30 and 40 year interest only programs
  • Cash out to continue buying
  • Fast Close!
  • No verification of employment

What is DSCR loan program in Maryland?  And How Do DSCR Investor Loans Work In Maryland?

The DSCR loan program in Maryland is designed for Maryland Real Estate Investors and mortgage brokers who look to qulify for a mortgage loan based on just the cash flow generated by their investment property and without provideing proof of income, employment income or tax returns.


construction loan


*Ground Up Construction
Up To 80% Of Land
* 100% of Construction
* Builders and Developers!

rental loan


* Cash-out & Refinance
*30 or 40 year loan..
* Closing 30 days!
* Up To 80% LTV

fix and flip loan programs


*Up to 90% of the Purchase
*100% of the Rehab.
* Closing as fast as 5 days!
* Fix to Flip or Fix to Refi .
* 30 or 40year DSCR loan

dscr loan program


*Up To 85% LTV
* Cash Out Refinance
* 15-30 Day Close!
* No Income Required
* No Employment Required

How DSCR Loans Are Benefiting Maryland Real Estate Investors 

Real estate investors in Maryland are discovering the advantages of Debt-Service Coverage Ratio (DSCR) loans when it comes to financing their investment properties. DSCR loans offer a unique solution for investors looking to expand their portfolios and generate consistent rental income. This article delves into how DSCR loans are helping Maryland real estate investors succeed in the competitive market.

The Power of DSCR Loans in Maryland

DSCR loans are a specialized form of financing tailored for real estate investors. They focus on the property’s income potential rather than personal credit scores. This makes them an excellent choice for investors who may not meet the stringent credit requirements of traditional loans.

Here’s how DSCR loans benefit Maryland real estate investors:

Flexibility: DSCR loans offer flexibility by allowing investors to leverage the income potential of the property they’re financing. This means that the property’s ability to generate rental income plays a significant role in loan approval.

Easier Approval: Unlike traditional loans that heavily rely on personal credit scores, DSCR loans prioritize the property’s income potential. This makes approval more accessible for investors, even those with less-than-perfect credit.

Faster Processing: DSCR loans tend to have quicker approval and funding processes than traditional loans. Investors can secure financing faster, enabling them to act swiftly in competitive real estate markets.

Portfolio Growth: Investors can use DSCR loans to acquire multiple properties, facilitating portfolio growth and diversification. This is a vital strategy for building a resilient real estate investment portfolio.

Rental Property Investment: DSCR loan Maryland are ideally suited for financing rental properties, making them an invaluable tool for investors looking to capitalize on Maryland’s strong rental market.

Step By Step DSCR Loan Application Process


Step 1: Fill Out Your Maryland DSCR Loan Application

Click on the link above and fill out the application.

Step 2: Submit Proof of Your Properties Income

As your creditworthiness is verified by the income you will generate from the property you are buying; you need to provide proof that your property can cover the mortgage payments. So, provide the needed documents to showcase your property’s income against the loan amount.

Step 3: DSCR Calculation and 1007 Rent Schedule

Once you submit the loan application, your lender will calculate the DSCR ratio, which must be greater than 1, to have your mortgage approved. Moreover, during the appraisal the lender will require a 1007 Rent Schedule to know the property’s fair market rent and ensure the property can sustain the mortgage with market rents.

Step 4: Closing A Maryland DSCR Loan

DSCR loans in Maryland do not need information about your financial history; the application and closing procedure is considerably faster than those for other types of mortgage loan programs.

Once you are approved for the loan, you will be provided with the interest rate, monthly payment, and the closing costs. Once agreed, you will go through the underwriting process, sign the final documents and close the loan.


DSCR Loan Maryland Now up to 85% LTV.


A DSCR loan Maryland approval is easy because it is based on your property’s income and not personal income or employment.

The DSCR Loan in Maryland allows for 85% LTV on a purchase and 80% on refinance or cash out refinance.

A DSCR Loan does not go strictly by FICO but uses the properties income.  While your credit score is still important, it carries less weight when it comes to qualifying for a DSCR loan Maryland. 

You can purchase a wide range of properties with a DSCR Loan. These include short-term and long-term rental. You can buy a single family investment property, 1-4 Family or 5+ Multifamily, mixed use and some commercial properties. .

Luckily, There is no limit on how many DSCR loans you can have in Maryland. There are some cases where lenders will impose a maximum number of loans or total loan per client depending on the clients financial health and FICO. At CambridgeHomeLoan.com we do not have a loan limit per borrower.

Prince George‘s County Maryland is regarded as a highly desirable location for real estate investors due to its strategic proximity to Washington, DC, and the DMV metro area. This geographic advantage makes it a hub for real estate activity, attracting a steady stream of investors seeking lucrative opportunities.

Additionally, the presence of opportunity zones in Prince George’s County serves as a significant draw for investors, as these zones offer favorable tax treatment and other incentives that encourage investment in the area. Overall, the combination of its location and the benefits provided by opportunity zones make Prince George‘s County an attractive and prime location for real estate investors looking to capitalize on profitable investments.
Investors consider CambridgeHomeLoan.com the best hard money lender in Maryland for several key reasons. Superior communication and exceptional customer service are among the top factors that set them apart. In addition, their great rates and successful track record of closing thousands of hard money loans in Maryland demonstrate their ability to deliver results for their clients.

CambridgeHomeLoan.com prioritizes making the funding process easy and seamless, enabling investors to achieve success with fewer challenges and more profitable outcomes.


Maryland boasts several cities that are highly favorable for rental property investment. Here’s a list of the best Maryland cities to consider for your rental property inventory:

Baltimore: As Maryland’s largest city, Baltimore offers a diverse and robust rental market. It’s an excellent place for investors seeking a mix of traditional and short-term rental options. Great for fix and flip loans for investors and dscr loans for long term rentals

Rockville: Located in Montgomery County, Rockville provides a stable and affluent rental market, making it a prime location for investors looking for long-term rental opportunities.

Annapolis: Maryland’s charming capital city has a strong demand for rental properties, particularly from government employees and military personnel.

Columbia: Known for its family-friendly environment, Columbia presents opportunities for investors to cater to the needs of tenants seeking long-term rentals.

Frederick: A growing city with an appealing mix of urban and suburban living, Frederick is an attractive location for investors.

Silver Spring: As part of the Washington, D.C. metropolitan area, Silver Spring is a bustling city with a demand for rental properties.

Hagerstown: This city in western Maryland offers affordable housing options, making it an attractive choice for real estate investors.

Maryland’s real estate market presents lucrative opportunities for investors. DSCR loans have emerged as a powerful tool, offering a pathway to financing success in this competitive landscape. By prioritizing the property’s income potential, these loans allow investors to secure financing faster, grow their portfolios, and tap into the strong rental market in Maryland.

If you’re considering real estate investment in Maryland, exploring the unique advantages of DSCR loans can be a game-changer. With the right financial support and a strategic investment plan, investors can thrive in Maryland’s rental property market, especially in cities that offer a blend of traditional and short-term rental opportunities.

Maryland’s Rental Market Overview and Forecast

Rental Market Overview

Maryland, a state known for its historical charm and vibrant cities, offers a diverse and thriving rental market for residents and real estate investors alike. In this article, we’ll provide an overview of Maryland’s rental market, highlighting current trends and offering a forecast for the near future.

Economic Diversity: Maryland’s diverse economy, driven by industries such as healthcare, technology, and government, attracts a broad spectrum of workers. This diversity ensures a consistent demand for rental properties.

Strong Job Market: The state boasts a strong job market, particularly in cities like Baltimore, Columbia, and the Washington, D.C. metropolitan area. As people relocate for job opportunities, they often seek rental accommodations.

Educational Institutions: Maryland is home to prestigious universities and colleges, including the University of Maryland and Johns Hopkins University. This creates a consistent need for student housing and faculty accommodations.

Government Employment: Maryland’s proximity to the nation’s capital, Washington, D.C., means it has a significant population of government employees. Many of these individuals opt for rental properties due to the transient nature of government work.

Quality of Life: The state offers an excellent quality of life, with a mix of urban and suburban areas, diverse cultural attractions, and proximity to natural
beauty like Chesapeake Bay. These factors make Maryland an appealing place to live.

How DSCR Loans Are Driving Growth in Maryland Rental Market

Debt Service Coverage Ratio (DSCR) loans have become instrumental in supporting the growth of Maryland’s real estate market, particularly in the rental sector. DSCR loans provide real estate investors with the financial leverage needed to expand their rental property portfolios and take advantage of the state’s thriving market.

Overcoming Financing Challenges: DSCR loans offer an effective solution to financing challenges that investors may face when acquiring multiple rental properties. Traditional lenders often have stricter criteria, making it difficult for investors to secure financing for multiple properties in a short timeframe.

Leveraging Rental Income: DSCR loans consider the income generated from the rental properties themselves, allowing investors to leverage their cash flow to acquire additional assets. This is especially advantageous in a state like Maryland with a strong and stable rental market.

Streamlined Approval Process: DSCR loans generally have a more streamlined approval process compared to traditional mortgages. This speed and efficiency enable investors to act quickly on promising real estate opportunities.

Expanding Rental Portfolios: Investors in Maryland are utilizing DSCR loans to expand their rental portfolios, capitalizing on the state’s rising demand for rental properties. This strategy aligns with the positive forecast for Maryland’s rental market.

Diverse Real Estate Investment: DSCR loans enable investors to diversify their real estate investments across various Maryland cities, taking advantage of the unique opportunities each location offers.

In conclusion, DSCR loans play a pivotal role in driving the growth of Maryland’s real estate market. Real estate investors who embrace these financial tools can expand their portfolios and contribute to the state’s dynamic and thriving rental sector.

Loans Custom Built For Real Estate Investors

Fix and Flip Loan Maryland

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 12 To 24 month terms

      • Up to 90% of cost

    • Up to 100% of rehab

    • Up to 75% of completed value

    • $100,000 – $250 million

Multi-Family Loan Maryland /
Commercial Loans

        • 1-50+ properties

        • Multifamily, Ground Up Const.,
        • Mixed use w/ majority residential

        • 12, 24 mo., 5,10,30,40 year terms

        • Up to 100% of cost

      • $1M – $250M

      • Purchase, Refinance, Cash Out

Fix To Rent Loan Maryland

    • 1-500+ properties

    • Single-family, 2-4 units, condos, townhomes, multifamily

    • 5yr, 7, 10 and 30 year terms

      • Up to 90% of cost

    • Up to 100% of rehab

    • Up to 75% of completed value

    • $70,000 – $250 million



ultimate guide to dscr loan

Ultimate Guide To DSCR Loans

Home The Ultimate Guide to DSCR Loans: Everything You Need to Know Introduction When it comes to real estate investment, finding innovative financing solutions is

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