Asset-based Maryland hard money built for Baltimore rowhomes and the high-income DC suburbs – up to 95% of purchase, 100% of the rehab funded in draws, and closings in as fast as 5-10 days so you win in a seller’s market.
A Maryland hard money loan is short-term, asset-based financing secured by the investment property itself. We underwrite the deal – purchase, rehab budget and after-repair value (ARV) – not your W-2s or tax returns, so you can close in a week to ten days and pay interest only while you renovate and sell or refinance.
Maryland is a seller’s market driven by a housing shortage, so speed wins. Hard money lets you fund up to 95% of a Baltimore rowhome or a Montgomery County SFR and have 100% of your rehab reimbursed by draw, keeping your capital free to run multiple projects across the state.
| Loan-to-cost (purchase) | Up to 95% of the Maryland purchase price for experienced flippers |
|---|---|
| Rehab financing | 100% of the renovation budget, drawn as work is completed |
| Max loan vs. ARV | Generally capped near 75% of the as-repaired value |
| Rates | From 9.99%, interest-only during the renovation |
| Points / term | About 1.5-3 points; 6-18 month terms with extensions |
| Credit | 620 minimum; no income or employment documentation |
| Property types | Baltimore rowhomes, DC-suburb SFR, condos, small multifamily, mixed-use |
| Loan amounts | $75,000 to $20 million and beyond |
| Vesting | Title in your LLC; first-time and foreign-national investors OK |
Maryland’s housing shortage keeps it a seller’s market, so a 5-10 day close lets you win Baltimore and DC-suburb deals over financed buyers.
From $250K Baltimore rowhomes to $600K Montgomery County homes, financing 95% of purchase keeps your down payment small.
We reimburse the entire renovation budget by draw – essential for Baltimore’s older rowhome stock that needs real work.
No tax returns or W-2s. We qualify the Maryland purchase, rehab and ARV, so self-employed and first-time investors get a fair look.
Play Baltimore’s high-volume value plays and the DC suburbs’ high-price flips with the same fast, asset-based capital.
Flip and sell, or refinance into a 30-year DSCR rental with the same lender – the exit is built in so your Maryland project never stalls.
Maryland is a supply-constrained seller’s market, and 2026 rewards investors who can move. The statewide median sits between $435,000 and $449,000 (up ~2-4%), but the opportunity is the spread within the state: Baltimore City drives roughly 18% of all Maryland sales at about $250,000-$265,000, while Montgomery, Howard and Anne Arundel counties price far higher. That gap – real volume at low bases in the city, premium exits in the suburbs – is the Maryland investor’s edge.
Baltimore’s deep inventory of older rowhomes is classic value-add territory, with city prices up ~9% year over year. In the DC suburbs, high incomes and chronic undersupply support strong resale on renovated homes. The disciplined play is to buy under-market in Baltimore and the inner suburbs, budget carry realistically, and use hard-money speed to shorten the hold in a market where good listings move fast.
Deep, affordable rowhome stock and heavy transaction volume make Baltimore Maryland’s premier value-add flip market.
High-income, undersupplied Montgomery County supports premium resale on well-renovated single-family homes.
One of Maryland’s fastest-growing counties, Frederick pairs commuter demand with room for value-add.
PG County offers more affordable entry near DC, with the new FBI headquarters in Greenbelt anchoring long-term demand.
Top-ranked schools and high incomes drive dependable, premium exits on renovated homes.
Chesapeake waterfront and vacation demand support both flips and short-term rentals.
A representative Maryland flip financed with hard money. Leveraging 95% of the purchase and 100% of the rehab keeps the investor’s cash-in low and the project-level return high:
| Purchase price | $240,000 |
|---|---|
| Loan at 95% LTC (purchase) | $288,000 · investor down payment $12,000 |
| Rehab budget (100% financed, by draw) | $60,000 |
| After-repair value (ARV) | $390,000 |
| Interest (10.5% IO, ~6-month hold) | − $15,120 |
| Points & closing costs (est.) | − $9,760 |
| Selling costs (~6.5% of ARV) | − $25,350 |
| Estimated net profit | ≈ $43,770 |
| Cash invested (down + costs + reserves) | ≈ $21,760 |
Illustrative for 2026 and not a guarantee or an offer. Actual purchase, rehab, ARV, rate, points, taxes and sale costs vary by property, market, experience and program in Maryland. High leverage magnifies both returns and risk. Business-purpose, non-owner-occupied only. Consult your CPA. Equal Housing Lender.
Estimate only. Assumes 100% of rehab financed, 2 points, ~$4,000 reserves/closing and 6.5% sale costs. Verify all figures with your Maryland loan officer.
Up to 95% LTC + 100% rehab; 6-18 month interest-only for buy-renovate-sell across Maryland.
Fast Maryland bridge financing to acquire or reposition while you line up a permanent exit.
Baltimore rowhomes and 2-4 units on an asset-based, no-income-doc basis.
Pull equity from a Maryland property to fund your next acquisition or rehab.
Refinance your finished Maryland flip into a 30-year DSCR loan and keep it as a rental.
Lot plus vertical costs for infill and spec builds statewide.
We fund all Maryland markets – statewide, corner to corner. Don’t see your city? Send us the deal and we’ll fund it.
Clean deals with a complete file and clear title routinely close in 5-10 business days because we qualify the property and the deal, not your income.
Yes – experienced Maryland investors can access up to 95% of the purchase price and 100% of the renovation budget by draw, subject to staying within about 75% of as-repaired value.
Credit from 620 with no income documentation. We focus on the Maryland purchase, rehab scope, ARV and your experience. Foreign-national and first-time investors are welcome.
Rates start around 9.99% interest-only with roughly 1.5-3 points depending on leverage, experience and the deal, keeping monthly carry low during the hold.
Yes – Baltimore rowhome value-add is a core program, along with DC-suburb single-family, condos and 2-4 unit multifamily statewide.
Yes – refinance your finished project into a 30-year DSCR rental loan with us, with the exit built in from the start.
Yes – we finance projects across Prince George’s County and the DC suburbs positioned for the federal-jobs growth around Greenbelt.
Yes – full gut rehabs on Baltimore rowhomes are a core program, with 100% of the renovation budget funded by draw.
Yes – Annapolis and Eastern Shore waterfront and vacation properties qualify, including short-term-rental exits.
Tell us about your Maryland property – purchase price, rehab budget and ARV – and get real terms fast with no income docs and no hard credit pull to quote. Investor financing only: foreign-national and first-time investors welcome, close in an LLC, from $75,000 to $20 million+ statewide.
Maryland’s outlook for 2027 and 2028 is anchored by a chronic housing shortage and a high-income, federally-driven economy. The state remains a seller’s market with prices projected to appreciate in the 2-4% range, and limited new construction keeps renovated homes in demand well into 2028. Population is stable and affluent, concentrated in the DC suburbs, which supports both resale values and rents for hard-money investors exiting into a sale or a rental refinance.
The jobs base keeps expanding. The new FBI headquarters in Greenbelt is set to bring thousands of federal jobs to Prince George’s County, Maryland’s I-270 biotech corridor (“DNA Alley”) anchors companies like AstraZeneca, Novavax and a deep NIH-and-FDA ecosystem, and Fort Meade and the NSA make the Baltimore-Washington corridor a national cybersecurity hub. Under Armour and the Port of Baltimore round out a diverse economy that keeps housing demand sticky.
For a Maryland hard-money borrower, the message is to buy value where the volume is – Baltimore and the inner suburbs – and exit into a supply-short, high-income market. Closing in as fast as 5 days with up to 95% LTC and 100% of rehab funded lets you renovate and sell or refinance into a state adding federal, biotech and cyber jobs through 2027, 2028 and beyond.
Population, migration and relocation figures are third-party estimates and public projections, vary by source and county, and are not guarantees.
Maryland hard money rates, LTCs, ARVs, returns and terms shown are illustrative for 2026, subject to change, and depend on the specific 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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