Hard Money Loans in Prince George's County, MD
Loans we've funded in Prince George's County
Prince George's County is our busiest Washington-area county, from Bowie and Capitol Heights to Fort Washington.
Fort Washington, MD
Single-family home
Temple Hills, MD
Single-family home
Bowie, MD
Single-family home
Temple Hills, MD
Condo
Temple Hills, MD
Condo
Capitol Heights, MD
Residential property
Oxon Hill, MD
Residential property
Landover, MD
Townhome
Prince George's 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.
Investing in Prince George’s County: what to know before you buy
Prince George’s County is our busiest Washington-area county. Many of its towns set some of their own rules, so we check the property’s town before anything else.
Permits
Most building permits go through the county’s Department of Permitting, Inspections and Enforcement (DPIE). If the property is inside a municipality, ask the town whether it needs its own permit too.
Holding it as a rental?
Renting out a single-family home or a two-unit building needs a county single-family rental license, valid for two years, with an inspection.
Some towns, including Bowie, Capitol Heights, District Heights, Hyattsville and Laurel, license rentals themselves. The “Town” field on the state property record (SDAT) tells you which applies.
The housing you will find
Near the DC line: brick colonials, duplexes and garden condos in places like Capitol Heights, Temple Hills and Oxon Hill. Further out: single-family subdivisions and townhome communities around Bowie, Upper Marlboro and Fort Washington.
Where we have lent
Our loans here range from condos in Temple Hills to single-family homes in Bowie and Fort Washington. Recent funded deals are shown above.
Towns we serve in Prince George’s County
Rules change. Confirm permit and licensing requirements with the office named above before you close.
Prince George's County Hard Money Loans: What We See on the Ground
Prince George’s County wraps around the eastern side of Washington, DC, with Upper Marlboro as its county seat. Near the DC line the housing is older: brick colonials, duplexes and garden condos in places like Capitol Heights, Temple Hills and Oxon Hill. Further out, Bowie, Upper Marlboro and Fort Washington have more single-family subdivisions and townhome communities. Many towns in the county run some of their own rules, including rental licensing. We underwrite with that in mind: we check the property’s town first, review condo or HOA documents, and pull comps by community and house type.
Prince George's 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 Prince George’s 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 Prince George's, MD
Prince George’s County rewards early checks on town rules and condo or HOA documents. These are common profiles we fund; if your deal looks different, we’ll tailor the structure and draw schedule.
Single-Family Home in Bowie or Fort Washington — Roof, HVAC, kitchen and bath, finished to match nearby sales
Brick Colonial or Duplex near the DC Line — Electrical, plumbing and interiors, with permits lined up before demo
Condo in Temple Hills — 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 — Single-Family Home in Bowie
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 — Brick Colonial near the DC Line
Purchase: $350,000
Rehab: $100,000
ARV: $520,000
Max Loan: the lesser of 65% of ARV ($338,000) or 85% of total cost ($382,500 on $450,000). Here that is $338,000,; 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.
Send address, photos, purchase, rehab, ARV, timeline, experience
Same-day soft quote on complete packages
Underwrite & issue term sheet
Close with title (first draw at closing when applicable)
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 | Prince George’s County Hard Money Loans
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Same-day soft quotes are available with complete information; closings can be expedited when title is ready.
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Yes, case-by-case. HOA/condo documents and resale packages may affect timing and structure.
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For fix-and-flip, we can consider light/no score if the deal is strong and experience is demonstrated.
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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.