Hard Money Lender in Baltimore, MD

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Funded loans

Loans we've funded in Baltimore City

Baltimore City is where we've funded the most loans, mostly rowhomes but also single-family homes and townhomes. Here they are, newest first.

  • Rowhome

    $100K–$150K2026

  • Rowhome

    $100K–$150K2025

  • Rowhome

    $100K–$150K2025

  • Residential property

    $150K–$250K2025

  • Rowhome

    $100K–$150K2025

  • Rowhome

    $150K–$250K2025

  • Rowhome

    $100K–$150K2025

  • Single-family home

    $150K–$250K2025

  • Rowhome

    $100K–$150K2024

  • Rowhome

    $150K–$250K2024

  • Rowhome

    $150K–$250K2024

  • Rowhome

    $150K–$250K2024

  • Residential property

    $100K–$150K2024

  • Townhome

    $100K–$150K2024

  • Residential property

    $100K–$150K2024

  • Residential property

    $100K–$150K2024

  • Rowhome

    $100K–$150K2024

  • Single-family home

    $250K–$400K2023

  • Residential property

    $150K–$250K2023

  • Rowhome

    $100K–$150K2023

  • Rowhome

    $100K–$150K2023

  • Single-family home

    $150K–$250K2023

  • Rowhome

    $100K–$150K2022

  • Rowhome

    $100K–$150K2022

  • Rowhome

    $100K–$150K2022

  • Rowhome

    $100K–$150K2022

See all funded projects →

Baltimore City

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.

Baltimore, MD Hard Money Loans: What We See on the Ground

Baltimore is a rowhome city. Much of its housing was built as attached brick and formstone rowhouses, from narrow two-story homes to larger three-story rows, with detached homes in neighborhoods closer to the city line. Rehabs here often mean original plumbing and electrical, roofs, masonry, and full kitchen and bath work. Two city-specific questions come up again and again: whether the property is fee simple or subject to ground rent, and, if you plan to rent it, the city's rental license and inspection. We check both early, and we underwrite with block-by-block comps, because value in Baltimore can change from one street to the next.

Baltimore, MD Hard Money 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

Local, boutique capital for Baltimore investors, delivered fast. We lend our own money, quote quickly, and structure draws so you can move from demo to market without delays.

 

Local Scenarios We Fund in Baltimore, MD

Baltimore rewards realistic budgets on older rowhomes, early title checks for ground rent, and dependable draw timing. These are common profiles we fund as a hard money lender; if your deal looks different, we'll tailor structure and cadence.

  1. Rowhome Gut Rehab — Plumbing, electrical, roof and masonry + kitchen/bath for a full renovation

  2. Cosmetic Rowhome Refresh — Paint/floors/fixtures for a quicker market turn

  3. Renovate and Rent (BRRRR) — Rehab, pass the rental license inspection, lease up, then refinance

Illustrative Funding Example (subject to underwriting)

Numbers below are illustrative for Baltimore; we'll calibrate to your comps, scope, and timeline as part of our fix and flip loan process.

Scenario A — Rowhome Gut Rehab

  • Purchase: $90,000

  • Rehab: $110,000

  • ARV: $300,000

  • Max Loan: We offer flexible leverage through two main options: up to 65% of After-Repair Value (ARV) for broad eligibility, or up to 85% of Loan-to-Cost (LTC—purchase + rehab total) for potentially higher amounts. We typically use the lesser of the two to ensure a strong deal, but can often accommodate closer to the LTC cap based on your experience, credit, and project details. Example calc: 65% ARV = $195,000; 85% LTC (on $200,000 total cost) = $170,000. Here, max would be $170,000, with room to flex higher if the borrower and deal qualify.

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

Scenario B — Cosmetic Rowhome Refresh

  • Purchase: $150,000

  • Rehab: $40,000

  • ARV: $260,000

  • Max Loan: We offer flexible leverage through two main options: up to 65% of After-Repair Value (ARV) for broad eligibility, or up to 85% of Loan-to-Cost (LTC—purchase + rehab total) for potentially higher amounts. We typically use the lesser of the two to ensure a strong deal, but can often accommodate closer to the LTC cap based on your experience, credit, and project details. Example calc: 65% ARV = $169,000; 85% LTC (on $190,000 total cost) = $161,500. Here, max would be $161,500, with room to flex higher if the borrower and deal qualify.

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

FAQS | Baltimore, MD Hard Money 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.