Hard Money and Rental Loans in Baltimore County and Harford County
Flip and DSCR rental loans from a local office in Kingsville.
- Fix and flip loans with rehab draws
- 30-year DSCR rental loans
- $75,000 to $5 million
By Beltway Lending. Updated November 2026.
Our office is on Bradshaw Road in Kingsville, in Baltimore County near the Harford County line. Call about a split-level in Parkville or a rancher outside Bel Air and you're calling a local office: (410) 231-3131.
Who lends hard money and rental loans in Baltimore County and Harford County?
Beltway Lending does, from 7400 Bradshaw Road, Kingsville, MD 21087.
We make two kinds of loans here. A hard money loan (also called a fix and flip loan) is a short-term loan to buy and renovate an investment house. A DSCR loan is a 30-year rental loan that qualifies on the property's rent, not your paycheck.
We lend on investment homes in Towson, Dundalk, Essex, Parkville, Catonsville, Bel Air, Aberdeen, Edgewood, Havre de Grace and the towns around them. We also lend across Maryland and in every other state except Alaska, Hawaii, Nevada, North Dakota, South Dakota and Vermont.
Baltimore County: what to check
Confirm each item with the county before you buy. Rules change.
- Rental license. Baltimore County says all rental property must be registered for a rental license or have an exemption license, and that you must be licensed before a tenant moves in. That covers dwellings with six or fewer units, short-term rentals included, and larger buildings.
- Closing taxes. The county lists real property transfers at 1.5% of the purchase price (excluding the first $22,000 of residential transfers) and $2.50 per $500 of total value. Maryland adds its own transfer tax, generally 0.5%. Ask your title company for the full number before you offer.
- Lead paint. A rental built before 1978 generally must be registered with the state each year and needs a valid lead inspection certificate at each change of tenant, unless it's certified lead-free (state guidance).
Harford County: what to check
- Closing taxes. Harford County lists a 1% transfer tax and a recordation tax of $6.60 per $1,000. Recordation tax is a tax on recording the deed and the loan. The state's 0.5% transfer tax is on top.
- Permits. The county's Building Services office handles permits. Aberdeen, Bel Air and Havre de Grace are incorporated towns, so ask the town what it handles.
- Rental standards. The county's Livability Code sets minimum standards for rental units. Fix anything it would flag during the rehab, not after.
- Havre de Grace. The city has its own long-term rental housing registration.
- Lead paint. The same state rule applies here.
Two plans most investors here follow
Flip it. Buy a dated house, fix it up and sell it. The loan covers most of the purchase and the work. The work money comes out in draws as each stage is done, and you pay the loan off when the house sells.
Keep it. Buy a house that's ready to rent, or one you just finished, and hold it with a DSCR loan. We compare the rent with the monthly principal, interest, taxes and insurance, so there are no tax returns or pay stubs to send.
Many clients do both: they flip with us, then refinance into a DSCR loan with the same team.
Brian Valdivia, our CEO, owns more than 150 rentals and flips homes throughout the year. We look at your numbers the way he looks at his own.
Our terms, in short
| Fix and flip | DSCR rental | |
|---|---|---|
| Length | Usually 6 or 12 months | 30-year fixed; 40-year available |
| Credit | Not a hard stop | Most borrowers 660 or higher |
| Closing | As little as 5 days, generally 2 to 3 weeks | As little as 10 days, typically 3 to 4 weeks |
On a flip we fund up to 90% of the price and 100% of the rehab, subject to underwriting. You may need as little as 10% down, which doesn't include closing costs or any required reserves. No experience is required. Closing speed depends on the loan file, title work and property review.
Loans run $75,000 to $5 million, for individuals, LLCs, corporations and trusts, on investment property only. Google shows 5.0 stars from more than 190 reviews. The full list is on Loan Facts.
Questions we hear from local investors
Is there a hard money lender in Baltimore County?
Yes. Beltway Lending is based in Kingsville, in Baltimore County, and makes fix and flip loans and DSCR rental loans in Baltimore County, Harford County and across Maryland.
Do I need a rental license in Baltimore County?
The county says all rental property must be registered for a rental license or have an exemption license before a tenant moves in. Confirm the details with the county.
Do you lend in Bel Air, Aberdeen, Edgewood and Havre de Grace?
Yes. Our Kingsville office is near the Harford County line, and we lend on investment homes throughout the county, subject to underwriting.
What does Harford County charge in transfer and recordation tax?
Harford County lists a 1% transfer tax and a recordation tax of $6.60 per $1,000, plus Maryland's 0.5% state transfer tax. Ask your title company for an estimate on your deal.
Can I flip a house here and then keep it as a rental?
Often, if the rental qualifies. Finish the rehab, rent the house, and refinance the flip loan into a DSCR loan with the same team. Every loan is subject to underwriting.
Have a deal in Baltimore County or Harford County?
Call (410) 231-3131, Monday to Friday, 9 to 5, or stop by 7400 Bradshaw Road in Kingsville.
