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Private Lending in Maryland

Residential investment financing across Maryland’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.

Investing in Maryland

Maryland's real estate market centers on the Baltimore-Washington corridor, where proximity to federal employment and DC dynamics drive property values and rental demand. The state's $360,000 median masks substantial regional variation, with Baltimore proper offering value-add opportunities and suburban DC markets commanding premiums.

High property taxes (1.1%+) limit pure DSCR cash flow. However, strong appreciation, refinance velocity, and institutional capital demand create bridge and takeout lending opportunities. Maryland's position between major metros and coastal access support diverse investment strategies.

Maryland Markets We Serve

We lend across Maryland’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.

Baltimore Washington DC suburbs Annapolis Frederick Hagerstown

Available in Maryland

Every loan program we offer is available to qualified borrowers and properties in Maryland.

Market Snapshot

Median Home Price
$360,000
Property Tax Rate
1.09%
Population Growth
0.8% annually
Annual Permits
~25,000 annually
Landlord Friendly
Mixed
Top Yield Market
Baltimore

What Works in Maryland Right Now

Baltimore Urban Revitalization & Bridge

Federal Hill, Canton, and other Baltimore neighborhoods attract young professionals. Bridge finance for acquisition and light value-add. 8–12 month hold through repositioning or lease stabilization. Exit into refinance or stabilized rental.

Suburban DC Appreciation Play (Limited DSCR)

Target Columbia, Silver Spring suburbs for long-term hold and appreciation. DSCR financing limited by high taxes. Focus on appreciation and refinance cycles rather than cash-flow optimized underwriting.

Frederick Suburban Growth & New Construction

Frederick's I-270 corridor supports suburban development. Finance new construction takeout or land acquisition for future development. Longer hold periods, appreciation-focused strategy.

Frequently Asked Questions

What are Maryland's property tax rates?
Maryland property taxes average 1.09% statewide, with Baltimore City at 1.09% and suburban counties varying. High property taxes limit DSCR cash-flow returns. Focus on appreciation and refinance strategies.
Are there landlord-friendly eviction laws?
Maryland has moderate tenant protections. Evictions require various notices depending on lease terms and reason. Court proceedings typically take 3–4 weeks. Some municipalities impose local tenant protections.
Does Maryland allow rent increases without restriction?
Maryland generally allows market rents, but some counties and municipalities have local rent control or increase limitations. Check local rules before investing.
What's the typical DSCR cap rate in Maryland?
Maryland's high property taxes limit DSCR cap rates to 3–4% in most markets. Baltimore proper may support 5–6% on value-add projects. Focus strategies on appreciation rather than cash flow.

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Start Your Maryland Investment

Our team has deep experience financing residential projects across Maryland. Reach out to discuss your next deal.

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