Credit Challenges? Fix-and-Flip Loans in Maryland Without a Hard Minimum Score
Life happens—job loss, divorce, a failed business, or medical bills can all leave marks on your credit. For many real estate investors, those dings make traditional bank financing feel impossible, even when they’ve got the skills and drive to make a deal work.
If you’ve been searching for “no credit check fix-and-flip loans in Maryland”, what you probably really want is a lender who looks at the whole picture—not just your FICO score.
That’s exactly how we think at Property Flip Loan.
We don’t have a hard minimum credit score, and we’re primarily focused on the strength of the deal and the collateral. At the same time, we’re not a “last resort, bad-credit-for-anyone” lender. Your credit history still matters because it tells us how you manage your financial life.
This article walks through how we approach credit, collateral, and risk for Maryland fix-and-flip loans—and when we may still be a good fit even if your score isn’t perfect.
The Real Story Behind “No Credit Check” Fix-and-Flip Loans
You’ll see plenty of ads online shouting “NO CREDIT CHECK!” or “BAD CREDIT OK!” for real estate loans. The reality usually falls into one of two buckets:
Extremely high-risk, high-fee money that doesn’t really care if the borrower succeeds, as long as the lender gets paid first, or
Marketing spin, where the lender actually does care about credit, but wants to get you in the door.
At Property Flip Loan, we want to be crystal clear:
We do look at your credit profile.
We do not have a rigid “cutoff” score.
We are collateral-focused: the deal, the numbers, and the property come first.
We avoid situations where the borrower has a long pattern of missed payments and no financial cushion.
In other words:
Your credit doesn’t have to be perfect, but it has to make sense in the context of a strong deal and a realistic plan.
How We Actually Underwrite Fix-and-Flip Deals
When you apply for a fix-and-flip loan with Property Flip Loan in Maryland, here’s what really drives the decision:
1. The Deal & Collateral
We’re primarily lending against the property’s potential value and the quality of the plan to get there.
We typically look at:
After Repair Value (ARV) and local comps
Purchase price relative to ARV
Rehab budget and scope of work
Neighborhood and exit strategy (flip vs. refi & hold)
We generally lend up to:
65% of ARV, and
Up to ~85% Loan-to-Cost (LTC) on strong deals
If the collateral is strong and the numbers make sense, that goes a long way—even if your credit isn’t spotless.
2. Your Experience & Execution Plan
We’re also looking at how likely you are to finish the project well:
Have you completed flips or renovations before?
Are you a contractor or working with a reliable GC?
Do you have realistic timelines and budgets?
If you’re newer, that’s not an automatic “no,” but we’ll dig a bit deeper into the plan and support you have around you.
3. Your Overall Financial Picture (Beyond Just a Number)
We don’t fixate on a specific FICO score, but we do care about the story behind it:
Do you have some cash reserves?
Are your late payments clustered around a certain life event, or are they constant?
Are there recent collections or large unpaid obligations that could derail you mid-project?
Credit is an indicator of how someone handles their financial life. We’re not expecting perfection—but we are looking for basic financial responsibility.
A Real-World Style Example: Imperfect Credit, Strong Deal
Here’s the type of scenario we’re often comfortable with:
An investor went through a rough patch a few years ago—business slowdown and some late payments.
Their credit score isn’t great on paper, but they’ve since stabilized: no recent serious delinquencies, and they’ve built some savings.
They bring us a deal with a solid ARV, conservative purchase price, well-thought-out rehab budget, and a clear exit strategy.
In a case like that, we’re primarily focused on:
Does the collateral support the loan amount?
Does the borrower have enough reserves to handle surprises?
Does their recent behavior show that they’re back on track?
If those boxes are checked, the old credit hits don’t automatically disqualify them. We’ve done plenty of loans for investors whose credit took a hit at some point—but whose deals and recent track records make sense.
Who Is Not a Good Fit (Even If the Collateral Looks Strong)
On the flip side, there are situations where we’ll usually pass, even if the ARV looks great on paper:
A long pattern of missed payments or charge-offs with no sign of improvement
No cash in the bank and no ability to weather surprises
Unrealistic renovation budgets and timelines
Borrowers treating hard money as a last-ditch lifeline rather than a tool in a well-thought-out plan
Strong collateral matters—but if someone’s overall financial picture and behavior suggest they’re unlikely to stay current or finish the project, that’s not a fit for us.
How Our Loan Structure Supports Serious Investors
For Maryland investors who have had a few credit dings but are serious about their projects, our structure is designed to help you move quickly while keeping risk in check:
Collateral-focused decisions with no hard minimum credit score
Loans based primarily on up to 65% ARV and up to 85% LTC on strong deals
No prepayment penalties, so you’re free to exit when it makes sense
Straightforward process and quick answers so you’re not losing deals waiting on a committee
The goal is simple: if the deal is solid, the plan is realistic, and you are financially responsible—even if not perfect—we want to help you get to the finish line.
Ready to Talk Through a Deal?
If banks have said “no” because your credit isn’t perfect, but you:
Have a strong fix-and-flip opportunity in Maryland
Can show a realistic plan and budget
Have at least some reserves and a track record of moving in the right direction
…then we may be a good fit.
You can explore our loan options, start a loan application, or call 443-684-7997 to talk through a specific property.
At Property Flip Loan, we’re not interested in being a “bad credit for anyone” lender. We’re interested in backing good deals and serious investors—even if your credit history has a few scars.
What’s your next project? We’d love to hear about it.