Asset-based investor financing for Baltimore, the DC suburbs, the Chesapeake shoreline and beyond. We underwrite the property, the rehab budget and the exit, so you can borrow up to 95% of the purchase and 100% of renovation costs and fund in as few as 5-10 days.
A Maryland hard money loan is short-term, property-secured financing from a private lender. It suits deals that need speed or renovation: a shuttered Baltimore rowhome, a dated Columbia split-level, a Chesapeake-area teardown or a beach condo that needs new life. The decision rests on the purchase price, the scope of work and the after-repair value (ARV), so a solid deal with a clear exit gets funded.
Maryland investors juggle very different markets in one state, from dense city blocks to suburban planned communities, waterfront neighborhoods and the Eastern Shore. One lender can fund the acquisition, release rehab draws and support the exit, whether that is a resale or a 30-year DSCR rental refinance.
Straightforward, deal-based terms for Maryland fix and flip loans, bridge financing and private money.
| Purchase leverage | Up to 95% loan-to-cost (LTC) for experienced investors |
|---|---|
| Rehab financing | Up to 100% of renovation costs, paid out in inspected draws |
| ARV limit | Combined loan up to roughly 75% of after-repair value |
| Interest rate | From 9.99%, interest-only |
| Points and term | About 1.5-3 points; 6-18 month terms with extension options |
| Credit requirement | 620 minimum – no income verification or tax returns |
| Property types | 1-4 unit residential, rowhomes, condos, townhomes, small multifamily, mixed-use and buildable land |
| Loan amounts | $75,000 to $20 million+ |
| Who can borrow | LLCs, corporations and individuals; new investors and foreign nationals welcome |
Purchase and rehab funding for Maryland flips, on interest-only payments with up to 95% LTC and 100% of renovations.
Quick capital to buy or reposition a Maryland property while permanent financing or a sale is arranged.
Fund lots, teardowns and new builds, with money released as construction milestones are completed.
Use equity in a Maryland investment property to fund the next purchase, rehab or business goal.
Long-term 30-year financing based on rental income, a natural exit after a renovation is complete.
Value-add loans on 2-4 unit and mixed-use buildings, underwritten on the asset itself.
Send the address, contract, rehab scope and your ARV estimate.
We evaluate the numbers and send a clear term sheet, frequently within a business day.
Appraisal, title and closing run side by side, so funding can happen in as few as 5 days.
Request draws as work progresses, then sell or refinance into a DSCR rental loan.
A fast, dependable close helps your contract stand out with sellers and agents, especially on discounted or auction-style purchases.
Financing most of the purchase preserves your capital for permits, contingencies and the next deal in the pipeline.
Renovation costs are financed and paid by draw, which keeps your crew paid and your project moving.
Self-employed buyers and newer investors are evaluated on the property, budget and business plan, not W-2 income.
A repeatable process lets active investors run multiple Maryland projects without rebuilding paperwork each time.
Sell at completion, or refinance into a long-term DSCR loan with the same lender to keep the asset.
Maryland is really several markets: aging city rowhomes, commuter suburbs tied to the Washington and Baltimore job centers, historic waterfront towns and seasonal beach communities. Each rewards a different budget and exit plan.
Federal and defense employment, universities, hospitals, ports and a strong renter base support housing demand across the Baltimore-Washington corridor.
Transfer and recordation taxes, property taxes and permit timelines differ by county, and older rentals may trigger lead-paint compliance. Include them in every budget.
Buy at the right basis, scope conservatively on older homes and pick an exit, sale or rental refinance, before you close.
Market commentary is general, changes over time and varies by county, neighborhood and property. It is not a forecast, tax advice or a guarantee.
The property styles investors buy and the residential areas where deals often pencil out in each market.
Property mixBrick rowhomes, duplexes, small multifamily, mixed-use storefronts
Investor pocketsHampden, Highlandtown, Pigtown, Belair-Edison, Waverly, Remington, Patterson Park
Popular loansRowhome flips, DSCR refi, small multifamily
Property mixTownhomes, colonials and split-levels, condos in planned villages
Investor pocketsOakland Mills, Long Reach, Owen Brown, Wilde Lake, Harper’s Choice, Town Center
Popular loansCosmetic-to-full flips, buy-and-hold
Property mixBrick colonials, Cape Cods, townhomes, rentals near the university
Investor pocketsRodgers Forge, Ruxton, Lutherville, Timonium, Cockeysville, Parkville
Popular loansFlips, student and workforce rentals
Property mixWater-access homes, historic townhomes, single-family, condos
Investor pocketsEastport, Parole, Annapolis Neck, Edgewater, Severna Park, Arnold
Popular loansWaterfront rehab, bridge, short-term rentals
Property mixHistoric downtown homes, townhomes, single-family, new-build infill
Investor pocketsHistoric Downtown, Wormans Mill, Braddock Heights, Walkersville, Brunswick, Urbana
Popular loansHistoric rehab, flips, DSCR refi
Property mixSingle-family, townhomes, condos, teardown and rebuild lots
Investor pocketsTwinbrook, Lincoln Park, West End, Aspen Hill, King Farm, Town Center
Popular loansHigher-price flips, ground-up, bridge
Property mixMid-century single-family, townhomes, condos, small multifamily
Investor pocketsWoodside, Four Corners, Wheaton, Kemp Mill, Forest Glen, Downtown
Popular loansFlips, multifamily value-add
Property mixSingle-family, townhomes, rental homes, planned communities
Investor pocketsOld Bowie, Belair, Fairwood, Collington, Bowie Town Center
Popular loansFlips, buy-and-hold, DSCR refi
Property mixSingle-family, rowhomes, duplexes, small multifamily
Investor pocketsDowntown core, West End, Long Meadow, Halfway, Williamsport
Popular loansLow-basis flips, rental conversions
Property mixSingle-family, duplexes, student rentals, small multifamily
Investor pocketsDowntown Salisbury, Newtown, Camden, Fruitland, University-area streets
Popular loansRental value-add, DSCR refi
Property mixCondos, townhomes, beach single-family, duplexes
Investor pocketsMidtown, North Ocean City, West Ocean City, Ocean Pines, Berlin
Popular loansVacation rentals, condo rehab, bridge
Property mixRanch and split-level homes, townhomes, rental houses
Investor pocketsHarundale, Ferndale, Brooklyn Park, Linthicum, Pasadena, Severn
Popular loansFix and flip, rental conversions
Property mixSingle-family, townhomes, planned-community homes, new builds
Investor pocketsSt. Charles, White Plains, Bryans Road, La Plata, Indian Head
Popular loansFlips, buy-and-hold, construction
Property mixBrick bungalows, rowhomes, duplexes, waterfront-area homes
Investor pocketsDundalk village, Edgemere, Essex, Middle River, Rosedale, Bear Creek
Popular loansValue-add flips, DSCR refi
Property mixTownhomes, single-family, condos, new-build infill
Investor pocketsKingsview, Churchill Village, Seneca Meadows, Milestone, Clarksburg, Damascus
Popular loansTownhome flips, rental holds
We lend all over Maryland, from Garrett County to the Atlantic coast. If your city isn’t listed, contact us or call (800) 826-5077.
Neighborhoods and property types are general examples, not recommendations or a guarantee of financing. Verify values and demand with local comps and your loan officer.
An illustrative Baltimore-area fix and flip showing how leverage limits the cash you put in.
| Purchase price (rowhome, Baltimore area) | $240,000 |
|---|---|
| Purchase loan at 95% LTC | $228,000 (down payment $12,000) |
| Renovation budget, funded in draws | $60,000 |
| After-repair value (ARV) | $385,000 |
| Total loan vs. ARV | $288,000 (about 75% of ARV) |
| Interest, 10.5% interest-only for 6 months | − $15,120 |
| Lender points (2%) | − $5,760 |
| Sale costs (6.5% of ARV) | − $25,025 |
| Estimated net profit | ≈ $39,095 |
| Cash invested (down + points + reserves) | ≈ $21,760 |
| Estimated return on cash | ≈ 180% |
Illustration only, not an offer or a guarantee. Figures exclude transfer and recordation taxes, which vary by county and can change your result. Purchase, rehab, ARV, rate, points, insurance, taxes and sale costs vary by property, market, experience and program. High leverage magnifies both gains and losses. Business-purpose, non-owner-occupied only. Consult your CPA.
Estimate only. Assumes 100% of rehab financed, 2 points, $4,000 reserves and 6.5% sale costs; add Maryland transfer and recordation taxes as applicable. Confirm figures with your loan officer.
When title is clear and your deal package is complete, many Maryland loans fund in 5-10 business days. We review the property, the budget and your plan instead of paystubs, so the timeline is driven by the appraisal and title work, not income paperwork.
Experienced investors can finance up to 95% of the purchase price and up to 100% of renovation costs, as long as the combined loan stays within about 75% of the after-repair value.
A 620 minimum credit score, with no income verification and no tax returns. We look at the purchase contract, scope of work, ARV comparables and your investing history. First-time investors and foreign nationals can apply.
Rates start at 9.99% interest-only with roughly 1.5-3 points and 6-18 month terms, depending on leverage, experience and the deal. Most programs carry no prepayment penalty, so you can exit as soon as the project is done.
Renovation money is paid out in draws. When a phase of work is finished and inspected, the next draw is released, which keeps your out-of-pocket cash low and confirms progress at each stage.
Yes. After renovation, the property can move into a 30-year DSCR loan that qualifies on rental income, letting you keep a Maryland rental without restarting with a new lender.
Yes. Rowhomes, duplexes, small multifamily and older single-family homes across Baltimore and the surrounding counties are common collateral for our loans. Budget carefully for older-home issues such as systems, structure and lead-paint compliance.
Yes. Beach condos, townhomes and single-family homes in Ocean City, Ocean Pines and nearby Eastern Shore markets can be purchased or renovated with hard money, then refinanced into a DSCR loan to hold long term.
Send the property details and receive real terms fast. Investor financing only: entity closings, first-time investors and foreign nationals welcome, loans from $75,000 to $20 million+.
Rates, LTCs, ARVs, returns and terms are illustrative, 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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