Investors choose Property Flip Loan as their hard money lender in Maryland because the relationship is direct, personal, and straightforward. I’m lending my own capital on these deals, so there’s no broker spread, no extra committee in the background, and fewer layers between your application and an actual yes or no. That means clearer conversations about terms, faster feedback, and a cost of capital that reflects a real investor-to-investor relationship, not a stack of middlemen.

Whether you’re renovating a single-family property in Annapolis, taking on a full rehab in Towson, or building a rental portfolio in markets like Frederick, Hagerstown, or Salisbury, I’m looking at the deal the way you do: purchase price, rehab budget, ARV, and exit strategy. As a hands-on hard money lender in Maryland, I focus on clear numbers and practical structures so your financing, timeline, and exit plan all work together from day one and support your long-term investing goals.

Customized Advisory for Your Project

As a hard money lender in Maryland, I approach each project based on its own numbers, location, and goals. An investor renovating a rental in Owings Mills has different priorities than someone flipping a single-family in Upper Marlboro or repositioning a small multifamily property in Frederick—and the advice should reflect that. We’ll look at your project the way you do: purchase price, rehab budget, ARV, exit strategy, and how it all fits into your broader investing plans.

If you’re focused on quick flips, we might lean into cleaner rehabs with strong resale demand and faster timelines. If you’re building a BRRRR or long-term rental portfolio, we’ll pay closer attention to rent potential, tenant demand, and how the numbers look not just at sale or refi, but over the next few years. The goal is simple: every project gets a customized lens so the financing structure matches what you’re actually trying to accomplish.

Flexible Leverage: Up to 65% ARV or 85% LTC

On the funding side, I offer flexible leverage designed for real-world deals: up to 65% of After-Repair Value (ARV) or up to 85% of Loan-to-Cost (LTC)—that is, purchase price plus rehab. In practice, we typically use the lesser of the two to keep the deal strong, but there’s room to lean closer to the LTC side when experience, credit, and project quality support it.

For example, if your total cost is $440,000 and your ARV is $500,000, 65% ARV would come out to $325,000, while 85% LTC would be $374,000. We’ll walk through how that looks for your project, then structure a loan that supports your numbers, your timeline, and your strategy—so your capital structure reinforces the deal instead of limiting it.

Investor-Focused Hard Money Lending in Maryland

Whether you’re a seasoned investor planning your next project, helping a family member get started, or rebuilding a new chapter in your life after a major change, we start by focusing on your biggest challenge. That might be structuring a deal when your credit isn’t perfect, getting comfortable with the numbers on a first flip or BRRRR, or aligning purchase, rehab, and exit so the deal works on paper and in practice. As a hard money lender in Maryland, the goal is not to push you into a template, but to adapt terms, guidance, and expectations to the way you invest.

Our role is to fund the project and support it with practical, experience-based input—not to run the renovation for you. Once the loan is in place, we stay engaged at the level that’s useful: clear draw schedules, responsiveness when issues come up, and access to best-practice tips on planning, managing contractors, and protecting your ARV. We adjust and refine as the project moves forward so the financing structure, communication, and timeline stay aligned with how the job is actually unfolding on the ground.