DSCR and Hard Money Loans in Maryland
Financing for real estate investors buying, renovating and renting in Maryland.
- DSCR, fix and flip and portfolio loans
- 660 minimum credit for DSCR, no income documentation
- $75,000 to about $2.5 million
Loans for Maryland investors
We're based in Kingsville, just outside Baltimore, and Maryland is where we started. Our CEO, Brian Valdivia, owns rentals here himself, from Dundalk and Essex to short-term rentals in Ocean City, so we know the local deals firsthand.
- DSCR rental loans: 30-year fixed loans for long-term and short-term rentals, qualified on the property's rent instead of your income. No tax returns or pay stubs; approval needs a valid ID, 2 months of bank statements and a soft credit pull. Minimum credit score 660.
- Fix and flip loans: short-term loans to buy and renovate, with rehab money released in draws as the work gets done. No experience required.
- Portfolio loans: put two or more Maryland rentals (or rentals across several states) under one loan and one payment.
Loans from $75,000 to about $2.5 million, to individuals, LLCs, corporations or trusts.
Where we lend in Maryland
Statewide, including Baltimore, Dundalk and Essex, Towson, Glen Burnie, Hagerstown, Frederick, Salisbury and Ocean City.
Buying in Maryland from out of state?
Many of our Maryland borrowers live somewhere else. DSCR loans qualify on the property's rent, so where you live and work doesn't change the approval. Close in your LLC, and our team handles the busy work: gathering documents, chasing the appraisal and keeping you updated through closing.
Common questions
Do you lend in Maryland?
Yes, statewide. Maryland is one of the states where we close the most loans.
Can I close a Maryland loan in my LLC?
Yes. Individuals, LLCs, corporations and trusts. Expect to personally guarantee the loan; that's standard.
What credit score do I need for a DSCR loan in Maryland?
660 and above.
How fast can you close?
DSCR loans in as little as 10 days, typically 3 to 4 weeks. Fix and flip loans in as little as 5 days.
Do you lend in other states too?
Yes. Every state except Alaska, Hawaii, Nevada, North Dakota, South Dakota and Vermont.
Have a Maryland deal? Let's talk it through.
Get a quote online or call our team.
