DSCR Loans Dundalk, Maryland
Finance a Dundalk rental on its income – no tax returns. This blue-collar Baltimore County market offers some of the lowest home prices in the region against solid rents – strong cash flow and BRRRR territory.
- Qualify on the property’s rent – no tax returns or W-2s
- Rates from 5.75% · up to 85% LTV · DSCR from 0.75x
- Some of the best rent-to-price near Baltimore
- SFR, Condo, 2-4 Unit, Multi-Family & Commercial Considered
- LLC & foreign nationals OK · no cap on financed properties
Dundalk DSCR Loans – Key Facts (2026)
- What it is: A business-purpose rental loan that qualifies on the property’s rent / payment (DSCR), not your personal income.
- Market: Dundalk (Baltimore County). Low-basis cash flow + BRRRR; blue-collar demand.
- Max LTV: Up to 85% (purchase) · 75-80% cash-out. Min DSCR: from 0.75x.
- Minimum FICO: 620+ (best pricing 720-780+). Rates: from 5.75%.
- Closing: as fast as 14 days. Vesting personal, LLC, or entity – foreign nationals eligible.
- Lender: CambridgeHomeLoan.com – direct DSCR lender since 1998, NMLS #1826020.
DSCR Loans in Dundalk
What is a DSCR loan in Dundalk, Maryland?
A Dundalk DSCR loan qualifies on the property’s rent divided by its full payment, not your income. Low acquisition prices (~$230K) against rents near $1,800 produce strong rent-to-price and DSCRs above 1.0x, which is why Dundalk is a cash-flow and BRRRR favorite. We underwrite Baltimore County taxes and lend up to 85% LTV.
| Qualifies on | The property’s rent / PITIA (DSCR) – no personal income |
| Rates from | 5.75% (Tier 1; see rate table below) |
| Max LTV | Up to 85% (purchase) · 75-80% cash-out |
| Min DSCR | From 0.75x with compensating factors · no-ratio options |
| Min FICO | 620+ (best pricing 720-780+) |
| Vesting | Personal or LLC · foreign nationals eligible · no property cap |
| County | Baltimore County |
Dundalk investor playbook
How to play the Dundalk rental market
Dundalk is an affordable, blue-collar Baltimore County community southeast of the city, anchored by the Port of Baltimore, the Sparrows Point (Tradepoint Atlantic) logistics redevelopment, and steady industrial employment. Affordable single-family homes and value-add properties deliver strong rent-to-price for workforce rentals and BRRRR.
The Tradepoint Atlantic logistics boom at former Sparrows Point is adding jobs and tenant demand on Dundalk’s doorstep. Baltimore County’s tax rate is well below Baltimore City’s, and Dundalk’s very affordable prices produce strong DSCRs – a cash-flow-first, BRRRR-friendly market. Maryland reassesses property on a three-year (triennial) cycle with increases phased in over three years, so a recent sale or a scheduled reassessment can push the tax bill up after you buy – underwrite the reassessed number, not the seller’s current bill, or your DSCR will be overstated.
Worked example: a $240,000 single renting at $1,750 with about $2,000 in county taxes and $1,600 insurance clears near a 1.1x-1.2x DSCR – a dependable affordable cash-flow profile.
Dundalk market data
Dundalk rental market at a glance (2026)
Representative 2026 market indicators for underwriting context – confirmed per property by a Form 1007 appraisal and a real insurance quote.
| Median sale price (2026) | ~$226,000 (Zillow) · ~$229,000 list |
| Median rent (2026) | apartments ~$1,304-$1,458; all types ~$1,895 |
| Property tax (Baltimore County) | ~1.1% effective |
| Best DSCR entry | Low-basis SFR – best cash flow |
| Investor angle | Cash flow + BRRRR; blue-collar demand |
Dundalk by the numbers (2026)
- Cash-flow leader: low prices against ~$1,800 rents give some of the best rent-to-price near Baltimore.
- BRRRR fit: low basis makes buy-rehab-rent-refinance work well on Dundalk rowhomes and bungalows.
- Steady demand: port, industrial, and healthcare jobs anchor a durable working tenant base.
Sources: Zillow, Redfin and Zumper Dundalk data, 2026. Estimates for illustration; confirmed per property by a Form 1007 appraisal and a real insurance quote.
Dundalk rentals
Where Dundalk rentals pencil for DSCR
Dundalk is a cash-flow market; low-basis single-family homes and small multifamily produce the strongest DSCRs and BRRRR returns.
| Property type | Typical monthly rent (2026)* | DSCR outlook |
|---|---|---|
| 1-2BR condo / apartment | $1,400-$1,700 | Lowest entry; best rent-to-price for DSCR |
| Townhome | $1,600-$1,950 | Balanced cash flow and appreciation |
| 3BR single-family | $1,800-$2,100 | Core family-rental demand |
| 4BR / small multi | $2,100-$2,600 | Highest gross rent; per-unit or per-room upside |
*Approximate 2026 ranges for illustration – verify current rents for the specific address (an appraiser Form 1007 sets the qualifying figure).
Free tool
Dundalk rent & DSCR calculator
Enter the property’s monthly rent, your loan, and carrying costs to estimate your DSCR (rent / PITIA) and monthly cash flow. Illustrative only – final DSCR uses the appraiser’s Form 1007 rent and quoted insurance.
Property & loan
Carrying costs (Baltimore County)
Illustrative only; not a rate quote or commitment to lend. We confirm rent with a Form 1007.
Worked example
A real Dundalk DSCR scenario
A Dundalk home at $230,000 with 20% down (a $184,000 loan at ~7.25%, 30-yr) has P&I of ~$1,255; add Baltimore County taxes (~$2,530/yr) and insurance (~$920/yr) and PITIA is ~$1,543 against ~$1,800 rent – a DSCR near 1.17x, comfortably cash-flowing. Illustrative only; confirmed by a Form 1007.
Rates
Dundalk DSCR rate tiers (2026)
| Tier 1 (780+ FICO, ≤65% LTV) | From ~5.75% – strongest pricing |
| Tier 2 (720-779, ≤75% LTV) | ~6.25-7.00% |
| Tier 3 (660-719, ≤80% LTV) | ~7.00-7.75% |
| Tier 4 (620-659, up to 85% LTV) | ~7.75-8.50% |
Illustrative tiers, subject to change and underwriting; DSCR ratio, property type, and reserves also affect pricing. Not a rate quote.
Requirements
Dundalk DSCR loan requirements
| Down payment | Typically 20-25% (purchase) |
| Credit | 620+ FICO; best pricing at 720-780+ |
| DSCR | From 0.75x (with factors); 1.0x+ standard; 1.25x+ best pricing |
| Reserves | Typically 3-6 months of PITIA |
| Rent proof | Lease, or appraiser Form 1007 market rent for vacant/purchase |
| Vesting | Individual, LLC, or entity · foreign nationals eligible |
| Uses | Purchase, rate-and-term refinance, cash-out |
Answers
Dundalk DSCR loan FAQ
Why is Dundalk a strong DSCR cash-flow market?
Low acquisition prices near $230K against rents around $1,800 give strong rent-to-price, so DSCRs run above 1.0x and BRRRR refinances work well on the area’s rowhomes and bungalows.
What are the DSCR loan requirements in Dundalk?
620+ FICO (best pricing 720-780+), DSCR from 0.75x, up to 85% LTV on purchase and 75-80% cash-out, typically 20-25% down. We qualify on the property’s rent via a Form 1007 – no tax returns or W-2s.
Can I use a DSCR loan for a Dundalk BRRRR?
Yes. Buy and rehab, then refinance on the stabilized rent and appraised value with a DSCR loan – no income docs – and recycle your capital. Dundalk’s low basis makes the model work.
Can I close in an LLC or as a foreign national?
Yes. We vest in your name, an LLC, or an entity with no cap on financed properties, and we lend to foreign national investors on Dundalk rentals.
Keep exploring
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(c) 2026 CambridgeHomeLoan.com · NMLS #1826020 · 4830 W Kennedy Blvd, Tampa, FL 33609 · (800) 826-5077 · Equal Housing Lender. DSCR loans are for business-purpose, non-owner-occupied investment properties only and are not available for primary residences. Rates, terms, LTV, and DSCR minimums are illustrative, subject to change without notice, and subject to borrower and property qualification and underwriting approval. Rate shown “from 5.75%” reflects the lowest advertised tier for the strongest borrower profiles and is not a rate quote or commitment to lend. Rental income and market figures are third-party estimates for illustration only and are confirmed by a Form 1007 appraisal on your specific property. This page is informational and does not constitute financial, legal, tax, or investment advice.