Fix-and-Flip Loans in Towson, MD

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Loans we've funded in Towson

We've lent in Towson more than once, around the Baltimore County seat.

  • Towson, MD

    Residential property

    $100K–$150K2024

    Our second loan in Towson.

  • Towson, MD

    Residential property

    $250K–$400K2023

    A residential property in Towson, the Baltimore County seat.

Baltimore County

Also funded nearby

  • Parkville, MD

    Residential property

    $150K–$250K2024

    Hard money loans in Parkville →

  • Timonium, MD

    Single-family home

    $250K–$400K2022

  • Baltimore County, MD

    End-unit townhome

    $150K–$250K2026

See all funded projects →

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 Towson: what to know before you buy

Towson is the Baltimore County seat, but it is not an incorporated town. Like every community in Baltimore County, the county handles permits and rental licensing. Here is what we check on every Towson file.

  • Permits come from the county

    Building permits and inspections in Towson go through Baltimore County’s Department of Permits, Approvals and Inspections (PAI). Baltimore County has no incorporated towns, so the same office covers the whole county.

  • Holding it as a rental?

    Baltimore County requires rental properties with six or fewer units, short-term rentals included, to be registered and licensed before a tenant moves in. Near Towson University, decide early whether your exit is a sale or a rental, because the comps differ.

  • The housing you will find

    Early 20th-century brick rowhomes in Rodgers Forge, colonials in Stoneleigh, post-war split-levels and ranchers off York Road and Loch Raven Boulevard, and condos closer to downtown.

  • How we underwrite it

    We pull comps from the same street pattern and house type, match the scope to the age of the house, and time draws to county inspections. We have lent in Towson more than once.

More Baltimore County lending

Baltimore County hard money loansParkvilleLuthervillePikesvilleDundalkBaltimore CityAll areas we lend

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

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

Towson is the Baltimore County seat, home to Towson University and a downtown along York Road. Its housing runs from early 20th-century brick rowhomes in Rodgers Forge and colonials in Stoneleigh to post-war split-levels and ranchers off York Road and Loch Raven Boulevard, plus condos near downtown. Older rowhomes often need electrical, plumbing and roof work, and near the university investors weigh a resale against a rental exit. We underwrite with that in mind: comps from the same street pattern and house type, a scope that fits the age of the house, and draws timed to county inspections.

Towson, 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 Towson investors from a direct lender based in Annapolis. We lend our own money, give same-day soft quotes on complete packages, and set draws to your rehab schedule.

 

Local Scenarios We Fund in Towson, MD

Towson rewards scopes that respect the age of the house and an exit plan decided up front. These are common profiles we fund; if your deal looks different, we’ll tailor the structure and draw schedule.

  1. Brick Rowhome in Rodgers Forge — Electrical, plumbing, kitchen and bath, with county permits lined up before demo

  2. Colonial or Split-Level in Stoneleigh or West Towson — Roof, HVAC and interiors, finished to match nearby sales

  3. Condo or Townhome near Downtown Towson — Paint, floors and fixtures for a quick sale or a rental

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 — Brick Rowhome in Rodgers Forge

  • Purchase: $400,000

  • Rehab: $120,000

  • ARV: $600,000

  • Max Loan: the lesser of 65% of ARV ($390,000) or 85% of total cost ($442,000 on $520,000). Here that is $390,000,; experienced borrowers with strong files may qualify for more.

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

Scenario B — Colonial in Stoneleigh or West Towson

  • 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 Baltimore County? See our Baltimore County hard money loans page, or browse all the Maryland areas we lend in. We also fund flips in Dundalk, Essex and Catonsville, and offer bridge loans across Maryland.

FAQS | Towson, 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.