Hard Money Loans in Baltimore County, MD

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Funded loans

Loans we've funded in Baltimore County

Baltimore County is our second most active area after Baltimore City, from Essex and Dundalk to Owings Mills and Reisterstown.

  • Essex, MD

    Residential property

    $150K–$250K2026

  • Baltimore County, MD

    End-unit townhome

    $150K–$250K2026

  • Dundalk, MD

    Townhome

    $150K–$250K2026

  • Middle River, MD

    Single-family home

    $150K–$250K2026

  • Towson, MD

    Residential property

    $100K–$150K2024

  • Owings Mills, MD

    Single-family home

    $400K–$600K2024

  • Parkville, MD

    Residential property

    $150K–$250K2024

  • Towson, MD

    Residential property

    $250K–$400K2023

  • Reisterstown, MD

    Residential property

    $150K–$250K2023

  • Timonium, MD

    Single-family home

    $250K–$400K2022

  • Dundalk, MD

    Townhome

    $100K–$150K2022

  • Randallstown, MD

    Single-family home

    $150K–$250K2021

See all funded projects →

Baltimore 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

Investing in Baltimore County: what to know before you buy

Baltimore County is one of our most active areas. One fact shapes every deal here: the county has no incorporated towns, so one set of county rules applies from Dundalk to Owings Mills.

  • One permit office for the whole county

    Towson, Dundalk, Catonsville and every other community are run by the county, so building permits and inspections all go through the Department of Permits, Approvals and Inspections (PAI).

  • Holding it as a rental?

    Rental properties with six or fewer units, short-term rentals included, must be registered and licensed with the county before a tenant moves in.

  • The housing you will find

    East side (Dundalk, Essex, Middle River): post-war brick rowhomes, townhomes and modest single-family homes. North and west (Towson, Parkville, Catonsville, Pikesville): colonials, split-levels and ranchers, with newer townhome communities toward Owings Mills.

  • How we underwrite it

    Comps from the same community and house type, a scope that fits the age of the house, and draws timed to county inspections. Our loans here range from end-unit townhomes to single-family homes.

Towns we serve in Baltimore County

TowsonDundalkEssexMiddle RiverParkvilleNottinghamCatonsvilleLuthervillePikesvilleOwings MillsWindsor MillGwynn OakBaltimore City

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

Baltimore County Hard Money Loans: What We See on the Ground

Baltimore County wraps around Baltimore City on three sides and has no incorporated towns: Towson, the county seat, Dundalk, Catonsville and every other community are run by the county. For investors, that means one set of permit and rental rules across the whole county. Housing varies by side of town: post-war brick rowhomes, townhomes and modest single-family homes in Dundalk, Essex and Middle River; colonials, split-levels and ranchers around Towson, Parkville and Catonsville; and newer townhome communities toward Owings Mills. We underwrite with that in mind: comps from the same community and house type, a scope that fits the age of the house, and draws timed to county inspections.

Baltimore County 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

Capital for Baltimore County 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 Baltimore County, MD

Baltimore County rewards scopes matched to the age of the house and the side of the county you are buying in. These are common profiles we fund; if your deal looks different, we’ll tailor the structure and draw schedule.

  1. Post-War Rowhome in Dundalk or Essex — Electrical, plumbing, kitchen and bath, with county permits lined up before demo

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

  3. Townhome near Owings Mills — 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 — Post-War Rowhome in Dundalk or Essex

  • Purchase: $250,000

  • Rehab: $80,000

  • ARV: $380,000

  • Max Loan: the lesser of 65% of ARV ($247,000) or 85% of total cost ($280,500 on $330,000). Here that is $247,000,; experienced borrowers with strong files may qualify for more.

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

Scenario B — Colonial in Towson or Catonsville

  • 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; 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

Towns we lend in across Baltimore County: Catonsville, Dundalk, Essex, Gwynn Oak, Lutherville, Middle River, Nottingham, Owings Mills, Parkville, Pikesville, Towson and Windsor Mill. You can also browse all the Maryland areas we lend in or read about bridge loans across Maryland.

FAQS | Baltimore County 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 and a clear path to close. We’re a Maryland-smart, relationship-driven hard money 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.