Fix-and-Flip Loans in Silver Spring, MD

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Funded loans

Loans we've funded in Silver Spring

So far, every Montgomery County loan we've funded has been in Silver Spring, from end-unit townhomes to some of the larger single-family homes in our portfolio.

  • Silver Spring, MD

    End-unit townhome

    $250K–$400K2026

  • Silver Spring, MD

    Single-family home

    $400K–$600K2026

  • Silver Spring, MD

    Single-family home

    $400K–$600K2025

  • Silver Spring, MD

    Single-family home

    $400K–$600K2024

  • Silver Spring, MD

    Single-family home

    $250K–$400K2022

See all funded projects →

Montgomery County

Loan amounts are shown as ranges and dates as years. Locations are general and details are left out so individual properties can't be identified. Past loans are not an offer of credit.

Local notes

Flipping in Silver Spring: what to know before you buy

Silver Spring is where all of our Montgomery County lending has been so far. It is not an incorporated city, so county offices handle the paperwork. Here is what we check on every Silver Spring file.

  • Permits come from the county

    Silver Spring has no city government of its own, so building and trade permits come from Montgomery County’s Department of Permitting Services.

    Takoma Park, right next door, is its own city, so check which side of the line a property sits on.

  • Holding it as a rental?

    Montgomery County’s housing department (DHCA) requires a rental license for single-family homes, townhomes and condos you rent out. Build the license and inspection into your timeline if you plan to refinance and hold.

  • The housing you will find

    Older bungalows, Cape Cods and colonials in neighborhoods like Woodside Park, East Silver Spring and Four Corners, and garden condos and townhomes closer to downtown and the Red Line stations at Silver Spring and Forest Glen.

  • How we underwrite it

    We read condo or HOA documents early, pull comps by house type and distance to transit, and size draws to the scope. Our Silver Spring loans so far have been end-unit townhomes and single-family homes.

More lending near Silver Spring

Montgomery County hard money loansRockvilleGaithersburgHyattsvilleWashington, DCPrince George’s CountyAll areas we lend

Rules change. Confirm permit and licensing requirements with the office named above before you close.

Silver Spring, MD Fix and Flip Loans: What We See on the Ground

Silver Spring sits on the DC line in southeastern Montgomery County, with Red Line stops at Silver Spring and Forest Glen and a busy downtown around Ellsworth Drive. Housing ranges from older bungalows, Cape Cods and colonials in neighborhoods like Woodside Park, East Silver Spring and Four Corners to garden condos and townhomes nearer downtown. Older houses often need systems updates and kitchen and bath work, and condos can bring association rules on contractors and work hours. We underwrite with that in mind: we review condo or HOA documents early, look at comps by house type and distance to transit, and size draws to the scope.

Silver Spring, MD Fix and Flip Loans: Deal at a Glance

  • Max Leverage: Up to 65% of ARV

  • Term: 6–12 months, interest-only

  • Prepayment: No penalty

  • Collateral: 1–4 unit residential; small mixed-use case-by-case

  • Close Speed: As fast as title/appraisal readiness allows

Get Started Today

Capital for Silver Spring investors from a direct lender based in Annapolis. We lend our own money, give same-day soft quotes on complete packages, and time draws to your inspections so crews stay paid.

 

Local Scenarios We Fund in Silver Spring, MD

Silver Spring rewards clean scopes and early answers from the condo or HOA. These are common profiles we fund; if your deal looks different, we’ll tailor the structure and draw schedule.

  1. Older Colonial or Cape Cod in East Silver Spring — Electrical, plumbing and kitchen and bath work sized to the age of the house

  2. Single-Family Turn in Four Corners or Woodside Park — Roof, HVAC and interiors, finished to match recent sales on nearby streets

  3. Condo or Townhome near Downtown — Paint, floors and fixtures, scheduled around association rules

Illustrative Funding Example (subject to underwriting)

Numbers below are illustrative, not a quote or a typical price for the area. We size every loan to your own comps, scope and timeline.

Scenario A — Older Colonial in East Silver Spring

  • Purchase: $450,000

  • Rehab: $130,000

  • ARV: $650,000

  • Max Loan: the lesser of 65% of ARV ($422,500) or 85% of total cost ($493,000 on $580,000). Here that is $422,500,; experienced borrowers with strong files may qualify for more.

  • Structure: Interest-only; milestone-based draws; no prepay penalty

Scenario B — Single-Family Home in Four Corners or Woodside Park

  • Purchase: $500,000

  • Rehab: $140,000

  • ARV: $750,000

  • Max Loan: the lesser of 65% of ARV ($487,500) or 85% of total cost ($544,000 on $640,000). Here that is $487,500,; experienced borrowers with strong files may qualify for more.

  • Structure: Interest-only; first draw at closing when applicable; no prepay penalty

How We Fund (5 Steps)

Whether it’s your first or tenth flip, we keep the process simple and predictable. Complete packages get same-day soft quotes, and we can close as fast as title and appraisal allow. Draws are aligned to your rehab cadence so crews stay paid and timelines stay intact.

  1. Send address, photos, purchase, rehab, ARV, timeline, experience

  2. Same-day soft quote on complete packages

  3. Underwrite & issue term sheet

  4. Close with title (first draw at closing when applicable)

  5. Inspections → draws → list or refi (BRRRR)

Eligibility & What to Send

A clean file speeds everything up. Share the items below and we’ll validate comps, confirm the scope, and move you from quote to close without surprises.

  • Contract or payoff; rehab budget & scope; timeline

  • Photos or quick walkthrough video link

  • ARV comps (we’ll validate)

  • Entity docs & ID; insurance binder before closing

Investing elsewhere in Montgomery County? See our Montgomery County hard money loans page, or browse all the Maryland areas we lend in.

FAQS | Silver Spring, MD Fix-and-Flip Loans

  • Same-day soft quotes are available with complete information; closings can be expedited when title is ready.

  • Yes, case-by-case. HOA/condo documents and resale packages may affect timing and structure.

  • For fix-and-flip, we can consider light/no score if the deal is strong and experience is demonstrated.

  • Deal-dependent. Request a term sheet for your specific purchase, rehab, ARV, and timeline.

Ready to Run the Numbers?

Tell us the basics of your deal and we’ll get right back to you with a same-day soft quote, a sanity check on ARV, and a clear path to close. We’re a Maryland-smart, relationship-driven lender: real people who pick up the phone, move quickly, and align capital to your scope and exit—not the other way around. Because decisions are made here (not “upstairs”), you get straight answers, predictable draws, and a partner who understands local timelines, neighborhoods, and what it actually takes to deliver a profitable flip or BRRRR in this market.

Contact us via the website or call today to get your next project moving.