Bridge Loans in Maryland
Need short-term capital to close quickly, make improvements, or buy time while permanent financing is arranged? Property Flip Loan structures business-purpose bridge loans for investors and operators in Maryland—so you can win deals now and refinance on your timeline.
Bottom line: Fast decisions, flexible collateral (including cross-collateralization), and no prepayment penalties. Use our capital to secure the asset; then refinance into long-term debt when you’re ready.
Closing on a property in a specific area? See our local pages for Baltimore County, Montgomery County and Prince George’s County, or towns like Towson, Rockville and Silver Spring. We lend across all of Maryland, plus DC and Virginia: see every area we lend in.
Business-purpose loans only. We are not licensed for consumer/owner-occupied mortgages. Cross-collateralizing with a primary residence is considered business-purpose and evaluated case-by-case for compliance.
Why Investors Choose Property Flip Loan
Speed to close: When timelines are tight (auction dates, 1031 deadlines, hard contract closes), we move fast.
Flexible collateral: Use investment property equity—or cross-collateralize with other assets. Case-by-case, we can consider using equity in your primary residence as additional collateral for a business-purpose loan.
Simple structure: Short-term, interest-only payments; no prepay penalty if you refi early.
Bridge to best-fit debt: Refinance to DSCR, conventional, SBA, or bank portfolio once the asset is stabilized.
Local expertise: Focused on MD / DC / VA across residential investment and select small commercial.
Key Criteria (Snapshot)
Term: Up to 12 months (extensions available)
Prepayment: No prepayment penalties
Collateral: Residential investment, small multifamily, and select small commercial; cross-collateralization allowed (case-by-case primary residence equity as additional collateral for business-purpose loans)
Use of Funds: Acquisition, time-sensitive closes, light cap-ex to qualify for take-out, payoff/seasoning, interest reserves
Structure: Typically 1st lien on target asset; additional liens as needed for leverage/coverage
(We don’t publish rates online; final terms depend on collateral, leverage, and exit.)
Where a Bridge Loan Shines (Use Cases)
Win the deal: Close before an auction or ahead of competing buyers; refinance later into cheaper, permanent debt.
Refi timing: Seller won’t wait for bank timing? Use a bridge now; take out with DSCR/conventional/SBA once docs and appraisal are ready.
Cap-ex to qualify: Make repairs or tenant improvements needed for agency or bank underwriting (e.g., safety items, rent-ready unit, TIs).
Seasoning/DSCR: Stabilize rents, build T-12 history, or season title before permanent debt.
Payoff pressure: Balloon or maturing private note? Bridge to avoid default and secure longer-term financing.
Portfolio reshuffle: Short-term liquidity to purchase, sell, or refinance multiple assets in sequence.
A Real Example: Marina Bridge (3 Months)
A few years back we funded a 3-month bridge for a marina acquisition—outside our core focus of residential/small multifamily, but time-sensitive. Our borrower used the bridge to lock the asset before it hit the auction block, then secured attractive long-term financing. The bridge won the deal and created breathing room for an optimal permanent loan.
How Our Bridge Loans Work
Deal Snapshot (fast pre-screen): Address, collateral, payoff(s), requested amount, exit plan, timeline.
Underwrite & Size: We size to conservative value and confirm your take-out path (lender type, DSCR target, timing).
Close Fast: Title, insurance, entity docs; interest-only structure with optional interest reserve.
Execute the Plan: Complete quick work, stabilize income, or finalize your long-term loan.
Refinance/Payoff: Pay off anytime—no prepayment penalty.
What We Look For (Underwriting Snapshot)
Exit clarity: Identified take-out lender type (DSCR, bank, SBA, agency) and timeline.
Collateral strength: Clean title, adequate equity, and marketable location.
Cash flow or plan to stabilize: Pro forma that supports future DSCR or bank metrics.
Sponsor capability: Experience, liquidity for closing/soft costs, and a credible plan.
Risk controls: Proper insurance; clear use of proceeds; realistic calendar for refinance.
Eligible Property Types
Residential investment: SFR, townhomes/rowhomes, 2–4 unit small multifamily
Select small commercial: Mixed-use, small office/retail, light industrial (case-by-case)
Cross-collateralization: Additional investment properties—and case-by-case primary residence equity for business-purpose loans
Not eligible: Consumer/owner-occupied purpose loans.
Example: Bridge to DSCR
Target Property (as-is value): $500,000
Use of Funds: Close quickly + $25,000 in make-ready cap-ex
Plan: Lease-up to $4,750/mo; then DSCR refi at 70–75% LTV
Exit Timing: 60–120 days post-close (stabilize + appraisal + docs)
We secure the asset with a short-term, interest-only bridge, optionally with an interest reserve. Once leased up and DSCR ≥ ~1.20x, borrower refinances into a 30-year DSCR loan and pays off the bridge early (no penalty).
Required Documents (Typical)
Entity docs & ID
Purchase contract or payoff statement(s)
Rent roll / pro forma (if applicable)
Insurance (appropriate to collateral; lender loss payee)
Title commitment; payoff letters for liens being cleared
Exit plan evidence (term sheet, lender conversation, or DSCR pro forma)
FAQs
Do you lend on primary residences?
We do not make consumer/owner-occupied mortgages. For business-purpose loans, we may evaluate cross-collateralization using primary residence equity case-by-case and subject to compliance.
How fast can you close?
Once we have a complete file and clear title, we can often close in days, which is why bridges are ideal for auction or deadline-driven deals.
Is there a prepayment penalty?
No—pay off anytime when your long-term financing is ready.
What’s a typical structure?
Short-term, interest-only, first lien on the target asset; additional collateral as needed; optional interest reserve.
Can you fund light repairs during the bridge?
Yes—either as a small holdback or via a limited draw if specific work is required for take-out underwriting.
Ready to Bridge the Gap?
Send a 6-Line Bridge Snapshot for a quick review:
Address/Collateral:
Requested amount & use of funds:
As-is value & liens:
Exit plan: DSCR / conventional / SBA / bank portfolio
Timeline: Target close + target refi date
Sponsor notes: Experience & liquidity