Fix and flip loans in Maryland fund acquisition plus renovation on one ARV-based bridge — built for Baltimore rowhome ground-rent diligence and Prince George’s County DC-commuter demand. Buy below market in Baltimore or PG County, rehab on draws, and exit at resale or stabilize into Maryland DSCR when rent supports coverage.
Maryland market data (2026)
Maryland resale held firm through spring 2026 with DC-spillover demand in Prince George’s County. Statewide median sale price sits near $425,000, up roughly 2.6% year over year, with homes averaging ~42 days on market in PG County and ~48 days in Baltimore City. Ground rent and lead-paint registration add title and scope lines mainland lenders underprice.
| Metro | Median sale price (2026) | DOM / trend | Flip note |
|---|---|---|---|
| Baltimore City | ~$245,000 | ~48 DOM / +2.2% YoY | Rowhome BRRRR; ground rent and lead-paint scope |
| Prince George’s County | ~$395,000 | ~42 DOM / +3.4% YoY | DC-commuter demand; verify local rent rules |
| Anne Arundel County | ~$445,000 | ~45 DOM / +2.8% YoY | Chesapeake flood overlays on waterfront blocks |
Source: Maryland REALTORS® market statistics (2026).
Maryland property tax effective rates average ~1.05% with Baltimore City carrying higher mill rates. State income tax on flip gains runs ~2%–5.75% plus county surcharge.
When Maryland flippers use bridge capital
| Situation | Why fix-and-flip fits |
|---|---|
| Baltimore assent-to-decree acquisition | 7–14 day close with ground rent redeemed |
| PG County value-add with DC-commuter exit | IO carry through county permit timeline |
| Distressed rowhome with lead-paint scope | ARV bridge funds scope agencies decline |
| First-time sponsor with MDE-accredited abatement GC | Conservative leverage with draw milestones |
| Hold pivot after rehab | Maryland DSCR on achieved rent |
Three Maryland submarkets — distinct theses
| Submarket | Basis band | Rehab scope | Investor thesis |
|---|---|---|---|
| Baltimore — Canton / Fells Point | $285K–$385K | $45K–$88K | Rowhome BRRRR; ground rent redemption at acquisition |
| Baltimore — Remington / Hampden | $225K–$315K | $38K–$75K | Lead-paint abatement on pre-1978 stock; MDE registration |
| Prince George’s — Hyattsville / College Park | $340K–$455K | $42K–$82K | DC-commuter demand; separate PG comps from DC spillover |
Comparing Maryland fix-and-flip lenders
Mid-Atlantic volume attracts national grids and DC-adjacent regional shops — but Baltimore ground-rent title work and PG County lead-paint registration split underwriting in ways a generic experience score misses. Compare exit continuity to Maryland DSCR before you pick leverage.
| Lender type | Maryland strength | Maryland weakness |
|---|---|---|
| National (Kiavi, Lima One, RCN) | Multi-state scale, experience tiers | Ground rent and lead-paint scope treated as one “Maryland” file |
| Mid-Atlantic regional shops | Baltimore auction relationships | Variable DSCR takeout continuity |
| Focus-market (Jaken Finance Group) | Rowhome comp templates, ground-rent and lead-scope modeling | Eastern Shore rural outside focus metros |
See compare hub · Renovo vs Jaken Finance Group · CoreVest vs Jaken Finance Group
Maryland flip loan terms (2026)
| Term | Maryland range |
|---|---|
| Scope risk | Lead-paint registration and rental license diligence on Baltimore/PG parcels; ground rent redemption at acquisition |
| Acquisition leverage | Up to ~90% of purchase |
| Rehab funding | 100% of approved scope, on draws |
| Basis | Sized to ARV ($285,000 – $485,000 typical) |
| Rate | Interest-only, 8.99%–13.5% |
| Term | 6–12 months |
Local risk to scope in Maryland
- Ground rent on Baltimore City and County rowhomes — redeem at acquisition, not at resale
- Lead-paint abatement and MDE registration on pre-1978 stock
- Chesapeake flood overlays on Anne Arundel and Baltimore County waterfront blocks
Rehab scope and draw discipline
Baltimore and Prince George’s County rehab scopes typically run $30,000 – $75,000 against $245,000 – $385,000 sold-comp targets. Model 7–10 months close-to-list with 15%–20% contingency; front-load lead-abatement and mechanical draws before cosmetic passes.
Worked example: Remington Baltimore flip
| Line | Amount |
|---|---|
| Purchase | $218,000 — 3/1 rowhome, ground rent ($96/yr), lead paint and systems dated |
| Rehab | $68,000 — kitchen, bath, lead abatement, HVAC, ground rent redemption |
| Bridge | 87% LTC @ 12.0% IO |
| Hold | 8 months rehab + list-to-close |
| ARV (conservative sold comps) | $325,000 |
| Selling costs (~8%) | $26,000 |
| Carry (8 months IO on ~$257K avg balance) | ~$20,600 |
| Est. net before tax | ~$7,400 |
Ground rent redemption costs ~$1,600 but saves weeks at resale — clear title at acquisition, not at listing. Hold exit: Maryland DSCR at ~$1,850/mo achieved rent if resale spread thins.
Where Maryland flippers find inventory
- Baltimore — Canton, Fells Point, and Remington rowhome corridors
- Prince George’s County — Hyattsville and College Park flips
- Anne Arundel — Glen Burnie value-add with flood diligence on waterfront blocks
Maryland Office of the Commissioner of Financial Regulation oversees mortgage activity; verify Baltimore city transfer costs.
Permits and timeline in Maryland
Baltimore City structural permits on rowhome scope commonly run 6–10 weeks — add that to bridge term before you underwrite a tight flip calendar. Prince George’s County cosmetic permits often clear in 4–6 weeks. Ground rent redemption tracking can add 3–6 weeks if the holder is absentee — start at acquisition.
What we need for a Maryland term sheet
Deliver purchase contract or auction confirmation, itemized scope, sold comps within 0.5 mi, entity documents, and exit plan — resale or Maryland DSCR on achieved rent. Ground rent status report and lead-abatement plan on pre-1978 Baltimore stock are Maryland-specific diligence items.
After the flip: hold instead?
Prince George’s County rent often clears DSCR with less ground-rent friction than a Baltimore resale — pivot to Maryland DSCR when leases execute, or recycle capital on the next Remington acquisition.
When fix-and-flip is wrong in Maryland
- Post-rehab rent clears ratio — Maryland DSCR beats a thin Baltimore resale after ground-rent delay
- Primary-home intent — investor bridge requires documented non-owner-occupied use
- Ground rent or lead-paint scope unpriced — fix the budget before closing
Define the exit before you borrow
Fix-and-flip is a bridge in Maryland, not a destination. Underwrite Baltimore or PG County sold comps first; if rent supports coverage after rehab, model Maryland DSCR as Plan B before you max leverage on rowhome scope. Ground rent timeline risk rewards sponsors who define resale vs hold before they close. Browse the compare hub for national vs focus-market term sheets.
Maryland fix-and-flip FAQ
Can I pivot from flip to rental in Maryland?
Yes — when achieved rent supports DSCR coverage after rehab, stabilize into Maryland DSCR rather than forcing a thin Remington resale. PG County rents often clear coverage with less ground-rent friction — model both exits before draw one.
How much can I borrow on a Maryland flip?
Maryland leverage on conservative first deals: ~90% of purchase plus 100% rehab, capped near 70%–75% of ARV on Baltimore sold comps in the $245,000 – $385,000 range.
What local risk changes Maryland scope?
Ground rent redemption and lead-paint registration — do not use PG County assumptions on Baltimore City rowhome files.
How fast can I close in Maryland?
Baltimore assent-to-decree and PG County files with clear title, ground rent redeemed, and GC scope often fund in 7–14 days when entity docs and lead-abatement plan are ready at intake.
Get Your Maryland Fix-and-Flip Quote · (833) 264-7776
Rates, terms and conditions offered only to qualified borrowers and are subject to change at any time without notice. All loans are subject to full underwriting. Jaken Finance Group only finances non-owner occupied investment properties.