Where We Lend in Maryland

In Maryland’s value-add real estate, speed and certainty often beat the lowest rate. That’s why fix & flip and hard money financing are the best choice in many cases: banks move slowly, shy away from properties that need work, and underwrite your tax returns more than the deal itself. As a direct Maryland lender, we underwrite the asset and the exit plan, compress timelines, and fund projects traditional lenders won’t—so you can win offers, control your schedule, and protect margins.

Speed & Certainty with Direct, Asset-Based Lending

We finance acquisition and renovation with structured draws aligned to your scope, and we qualify based on the deal’s economics rather than just W-2s—ideal for self-employed investors or those rebuilding credit. This approach supports a clean BRRRR path: acquire and rehab quickly, stabilize, then refinance into long-term debt. Flexible terms, no prepayment penalties, and options up to 65% of ARV keep your capital efficient and your exit optionality intact.

Local Guidance, Market-Specific Strategies

Property Flip Loan serves investors across five core Maryland regions: the Capital Region (Montgomery and Prince George’s, including Rockville, Silver Spring, Bethesda, Bowie, and Upper Marlboro), the Eastern Shore (from Chestertown and Easton to Cambridge, Salisbury, and Ocean City), Southern Maryland (Charles, Calvert, and St. Mary’s—Waldorf, La Plata, Prince Frederick, Leonardtown), Western Maryland (Frederick, Hagerstown, Cumberland), and Central Maryland (Anne Arundel, Howard, Harford, and Carroll—Annapolis, Columbia, Bel Air, Westminster). Explore your region to see typical loan scenarios, timelines, and what “fast to close” looks like in your market.

New to Maryland? We’ll guide you across the state’s distinct markets and the opportunities each one offers—transit-served flips and single-family BRRRRs in the Capital Region (Bethesda, Silver Spring, Bowie), waterfront rehabs and seasonal short-term rentals on the Eastern Shore (Easton, Cambridge, Ocean City), workforce single-family and duplex BRRRRs in Southern Maryland (Waldorf, La Plata, Leonardtown), value-add single-family and small mixed-use in Western Maryland (Frederick, Hagerstown, Cumberland), and maritime, townhome, and turnkey plays across Central Maryland (Annapolis, Columbia, Bel Air, Westminster). We’ll translate neighborhood comps and school-zone dynamics, historic overlays and permitting timelines, connect you with trusted local agents, inspectors, title/escrow and contractors, and tailor funding—fix & flip, bridge, or BRRRR—to each region’s pace and exits so your first Maryland project feels familiar and your next one feels repeatable.