Flip financing for Baltimore rowhomes and the high-income DC suburbs: up to 95% of purchase and 100% of rehab (or 90% purchase and 100% construction), to 75% of ARV, with fast draws in a seller’s market.
A fix and flip loan is short-term project financing for a buy-renovate-sell deal. Rather than your income, we underwrite the business plan – what you pay, what the rehab costs, and the after-repair value (ARV). Maryland is a supply-short seller’s market with a $435,000-$449,000 median and 2-4% appreciation. The edge is the in-state spread: Baltimore City drives ~18% of all sales near $250,000, while Montgomery, Howard and Anne Arundel counties price far higher – value in the city, premium exits in the suburbs.
The model keeps your own capital small and your Maryland flip velocity high, so you can run several projects a season and exit cleanly with a sale or a refinance into a rental.
After-repair value – your finished, sold price. Every loan dollar is sized against it.
The ceiling: total loan generally stays within 75% of ARV, leaving room for profit.
Your renovation budget – funded 100% and reimbursed in draws as work is completed.
Holding costs – interest, insurance, taxes, utilities – every month until you sell.
| Purchase financing | Up to 95% of purchase (LTC), or 90% of purchase plus 100% of construction on fix & flip, fix-to-rent or value-add projects |
|---|---|
| Rehab financing | 100% of the renovation budget, released in draws |
| Total loan vs. ARV | Generally held within 75% of the after-repair value |
| Refinance / cash-out | Refinance up to 90% LTV; cash-out up to 75% |
| Rate & payments | From 9.99%, interest-only during the flip |
| Term | 12-24 or 12-36 months; extensions available; no prepayment penalty |
| Credit / docs | 620+; no income or W-2 documentation on investment properties |
| Exit | Sell the finished home, or refinance into a 30-year DSCR rental |
Target under-market Maryland homes where comps support your ARV and end-user demand is real.
Close in as fast as 5 days with 95% of purchase and 100% of rehab committed – or 90% of purchase and 100% of construction on fix and flip, fix-to-rent or value-add projects.
Draw your rehab budget in stages as work passes inspection, so you front far less and keep the crew moving.
List and sell into Maryland demand, or refinance into a 30-year DSCR loan and keep it as a rental.
A representative Maryland project funded with 95% of purchase and 100% of rehab, underwritten within 75% of ARV:
| Purchase price | $240,000 |
|---|---|
| Loan at 95% of purchase | $288,000 · your money in: $12,000 |
| Rehab budget (100% funded, by draw) | $60,000 |
| After-repair value (ARV) | $390,000 · total loan is 74% of ARV |
| Interest (10.5% IO, ~6-month flip) | − $15,120 |
| Points & closing (est.) | − $9,760 |
| Sale costs (~6.5% of ARV) | − $25,350 |
| Estimated net profit | ≈ $43,770 |
| Cash in the deal | ≈ $21,760 |
Illustrative for 2026, not a guarantee or an offer. Figures vary by property, market and experience. High leverage magnifies gains and losses. Business-purpose only. Consult your CPA. Equal Housing Lender.
Assumes 95% of purchase + 100% rehab, 2 points, ~$4,000 closing/reserves and 6.5% sale costs. Estimate only.
| Market | Why flippers target it |
|---|---|
| Baltimore | Deep, affordable rowhome stock and heavy sales volume. |
| Silver Spring / Montgomery Co. | High incomes and chronic undersupply; premium resale. |
| Frederick | One of the state’s fastest-growing counties; commuter demand. |
| Prince George’s County | Affordable DC-adjacent entry near the new FBI HQ. |
| Columbia / Howard Co. | Top schools and high incomes drive premium exits. |
| City | Why it ranks for 2026-2027 returns |
|---|---|
| Baltimore | Lowest entry and highest volume – classic value-add. |
| Hagerstown | Affordable Western Maryland with commuter demand. |
| Salisbury | Eastern Shore value with university and vacation demand. |
| Cumberland | Deep affordability for buy-and-hold cash flow. |
| Frederick | Growth-county demand supporting strong resale. |
Maryland’s 2027-2028 catalysts: the new FBI headquarters in Greenbelt bringing thousands of federal jobs to Prince George’s County, the I-270 biotech corridor (AstraZeneca, Novavax, NIH/FDA), and Fort Meade and the NSA anchoring a national cybersecurity hub.
Buying near these job engines now positions your exit into the demand they create – Fund a Maryland flip near the growth →
95% of purchase + 100% rehab; 12-24 or 12-36 month interest-only.
Larger renovation budgets funded in structured draws for down-to-studs projects.
90% of purchase plus 100% of construction for Maryland infill and spec builds.
Flip, then refinance into a 30-year DSCR loan and keep the cash-flowing rental.
Refinance up to 90% LTV or cash out up to 75% to fund the next deal.
Scale several Maryland flips at once with repeatable, deal-by-deal funding.
We fund flips in every Maryland market. Don’t see your city? Send us the deal and we’ll price it.
Up to 95% of the purchase price plus 100% of the renovation – or 90% of the purchase and 100% of the construction on fix and flip, fix-to-rent or value-add projects – with the total loan generally within 75% of the after-repair value.
In draws. You fund the work, then we reimburse each stage as it is completed and inspected, keeping your out-of-pocket low.
12-24 or 12-36 month interest-only, with extensions available and no prepayment penalty. Refinances go up to 90% LTV and cash-out to 75%.
From comparable sales of similar recently renovated homes near your project, supported by an appraisal.
620+ credit and no income or W-2 documentation on investment properties – we underwrite the deal, so first-time and foreign-national flippers are welcome.
As fast as 5 days on a clean file, because we qualify the project rather than your income.
Refinance the finished home into a 30-year DSCR loan with us – the BRRRR exit is built in from day one.
Send us the purchase price, rehab budget and ARV and get real terms fast – no income docs, no hard credit pull to quote. Business-purpose investor financing from $75,000 to $20 million+, first-time and foreign-national flippers welcome.
Maryland’s shortage keeps renovated homes in demand into 2027-2028. Buy value where the volume is – Baltimore and the inner suburbs – and exit into a high-income, supply-short market adding federal, biotech and cyber jobs.
Market and profit figures are third-party estimates for 2026-2028, vary by source and submarket, and are not guarantees.
Maryland fix & flip rates, advances, ARVs and terms shown are illustrative for 2026, subject to change, and depend on the property, credit, experience and program. Business-purpose, non-owner-occupied investment properties only. Not a commitment to lend. Equal Housing Lender.
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