Hard Money Loans in Calvert County, MD

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

Calvert County, Maryland's smallest county by land area at approximately 213 square miles, is situated on a peninsula along the western shore of the Chesapeake Bay, featuring coastal landscapes, rural farmlands, and suburban developments, with a population of around 93,791 as of 2023. The economy is diverse, supported by industries such as manufacturing, healthcare, education, information technology, and biotechnology, with a median household income of about $132,059 and low unemployment. Key towns include Prince Frederick (county seat), Chesapeake Beach, Dunkirk, Huntingtown, Lusby, North Beach, Owings, and Solomons. Waterfront properties in Solomons or Chesapeake Beach often need flood-resistant updates and modern amenities; suburban SFHs and townhomes in Prince Frederick or Dunkirk reward kitchen/bath refreshes and quick turns. The real estate market is competitive with median home values around $402,900 (2019-2023) and owner-occupied rates at 87.2%, supporting flips amid low inventory and steady demand.

Calvert 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

Local, boutique capital for Calvert County investors—delivered fast. We lend our own money, quote quickly, and structure draws so you can move from demo to market without delays. As Maryland's go-to for hard money loans and fix and flip financing, we tailor solutions to your local project.

 

Local Scenarios We Fund in Calvert County, MD

Calvert County rewards tight scopes, waterfront-aware updates in coastal areas, and dependable draw timing in suburbs. These are common profiles we fund as a hard money lender; if your deal looks different, we’ll tailor structure and cadence.

  1. Waterfront Home Refresh in Solomons/Chesapeake Beach — Systems + kitchen/bath + exterior/dock updates (considering flood zones and permit timelines)

  2. Suburban SFH Turn in Prince Frederick/Dunkirk — Roof/HVAC/electrical bundle + interiors to hit commuter-friendly comps

  3. Townhome Cosmetic Lift in Huntingtown/Lusby — Paint/floors/fixtures → quick market turn near amenities

Illustrative Funding Example (subject to underwriting)

Numbers below reflect typical Calvert County ranges; we’ll calibrate to your comps, scope, and timeline as part of our hard money loan process.

Scenario A — Waterfront Home in Solomons/Chesapeake Beach

  • Purchase: $400,000

  • Rehab: $120,000

  • ARV: $600,000

  • 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 = $390,000; 85% LTC (on $520,000 total cost) = $442,000. Here, max would be $390,000, with room to flex higher if the borrower and deal qualify.

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

Scenario B — Suburban SFH in Prince Frederick/Dunkirk

  • Purchase: $350,000

  • Rehab: $100,000

  • ARV: $520,000

  • 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 = $338,000; 85% LTC (on $450,000 total cost) = $382,500. Here, max would be $338,000, 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

FAQS | Calvert 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.