Fast Hard Money Loans – Maryland

Maryland Hard Money Financing for Fix-and-Flip

and New Construction Projects

Get Started

Featured In

The Top Choice for Hard Money Loans in Maryland

We are Maryland top choice for hard money loans, providing fast, reliable, and flexible funding solutions for your investment projects. Our expert team is dedicated to helping investors.

Competitive Terms

We offer competitive terms on investment property loans in Maryland. Fix and Flip loan rates range from 10.5%–11.25% with a 1.5%–2.99% origination fee. DSCR loan rates range from 6.5%–7.99% with 0% origination fee.

Simple Online Application

Real estate investors can apply online, get pre-approved, or schedule a call in just 2 minutes. The process is quick, easy, and hassle-free.

Quick Turnaround

Our team is ready to assist you. Submit a Quick Application or Pre-Approval, and we’ll respond within 1 business hour. Funding for your project can be completed in as little as 7 days.

Reliable Financing

Integrity and honesty are at the core of our work. When we approve a loan, you can count on closing on time.

Maryland Hard Money Loan Products

Maryland Fix and Flip Loans

Funding for Purchase + Rehab

Loan Amount: $50,000 – $3,000,000
Interest Rate: 10.5% – 11.75%
Origination Fee: From 1.5%
Financing: Up to 90% of Purchase & 100% of Rehab
Beginner-Friendly Fix and Flip Loans Available

Get Approved Online

Maryland DSCR Loans

30-Year Financing for Rental Properties

Loan Amount: Up to $2,000,000
Interest Rate: 6.25% – 7.99%
Origination Fee: Starting at 0%
LTV: Up to 80%
Eligible Properties: Short-Term & Long-Term Rentals

Get Approved Online

Ground Up Construction

For New Builds and Construction Completion

Loan Amount: Up to $3,000,000
Interest Rate: 10.99% – 12.25%
Origination Fee: From 2.0%
Financing: Up to 75% of Purchase & 100% of Construction
Loan-to-Cost: Up to 90% LTC

Get Approved Online

State
Maryland

Loan Type
Fix and Flip

Loan Amount
$656,500

Loan Amount (if applicable)
92% of Purchase + 100% Of Rehab

Rate
10.99%

Points
2.00%

Maryland Deal Summary

Investors Mortgage Group provided a $979,750 hard money loan for a fix-and-flip project in Bethesda, MD, supporting an experienced investor in the purchase and renovation of an outdated colonial-style home located in a highly desirable neighborhood. The financing covered 85% of the acquisition cost and 100% of the renovation budget, capped at 70% of the property’s after-repair value (ARV). The renovation plan focused on a complete interior transformation, including a modernized kitchen, premium finishes, and an open-concept living layout designed to appeal to high-end buyers in a competitive market. The loan was structured with a 10.99% interest rate and 2.25% origination points, offering the investor the flexibility and capital needed to maximize returns.

Competitive LTV: Funded 85% of the purchase price and 100% of the renovation costs, capped at 70% ARV.
Moderate Rehab: The project required moderate remodeling work with no major structural issues.
Terms: Structured at 10.99% interest with 2.25% points, optimizing the investor’s leverage and returns.

Frequently Asked Questions

What are the requirements to get a hard money loan in Maryland?

To secure a hard money loan in Maryland, you typically need:

A credit score of at least 640

A project that is expected to yield a minimum 10% ROI

An LLC or corporation registered in Maryland

What types of properties can be financed with a hard money loan in Maryland?

Hard money loans in Maryland can be used to finance:

Residential properties with 1–4 units

Multifamily properties with 5–50 units

Select commercial properties

What are the interest rates and terms for hard money loans in Maryland?

Interest rates typically range from 10.5% to 11.5%, depending on the borrower’s experience and credit profile. The median rate for a fix-and-flip loan in Georgia is around 10.75%, interest-only, with no prepayment penalty.

How quickly can I obtain a hard money loan in Maryland?

Hard money loans in Maryland can be closed in as little as 10 business days.

Are there any state-specific rules for obtaining a hard money loan in Maryland?

Hard money loans in Maryland are considered business-purpose loans, meaning they are only available to borrowers with an LLC or corporation registered in Maryland.

Best Cities To Invest In Real Estate In Maryland

Bathesda

Bethesda, MD, presents a premium fix-and-flip market driven by strong demand from professionals and families looking for updated homes in a highly desirable area. The area’s affluent buyer base, close proximity to Washington, D.C., and excellent school system allow renovated properties to achieve top-tier resale values. Investors often uncover value in older homes across neighborhoods such as Glen Echo, Edgemoor, and Battery Park, where well-planned renovations can generate attractive returns. Although entry costs are higher compared to many other markets, the potential for healthy profit margins makes Bethesda an appealing market for well-funded fix-and-flip investors.

Get a Loan in Bathesda

Baltimore

Baltimore, MD, offers a dynamic fix-and-flip landscape with attractive opportunities in neighborhoods experiencing ongoing revitalization. Communities such as Canton, Hampden, and Patterson Park are popular among young professionals and first-time buyers, making them strong candidates for successful flips. Investors can also uncover value in distressed properties within emerging areas like Highlandtown and Pigtown, where redevelopment and growing demand are reshaping the market. With more affordable entry prices and solid rental demand as an alternative exit strategy, Baltimore continues to be a compelling option for investors focused on maximizing returns through smart renovations.