Fix and flip loans in Maryland fund acquisition plus renovation on a single interest-only bridge sized to after-repair value (ARV), not your tax return. The exit is resale — buy distressed, rehab on draws, list into Baltimore demand, and repay the bridge from proceeds.
Fix-and-flip economics in Maryland
ARV discipline and a real rehab number decide the flip — not optimism. Two Maryland cost lines bite flip margin: holding-period property tax at an effective ~1.05% (state and county levies; Baltimore City carries a high rate) and state income tax on the gain (~2%–5.75% + county). Model both before you commit to ARV.
| Metro | Typical basis | Rent band | Flip notes |
|---|---|---|---|
| Baltimore | $180K–$320K | $1,400–$1,950 | rowhome BRRRR with lead-paint abatement in draws |
| Prince George’s County | $320K–$460K | $2,000–$2,700 | DC-commuter demand; verify local rent rules |
Speed comes from non-judicial foreclosure norms — primarily non-judicial via assent-to-decree; timeline is moderate. Build the local process timeline into your carry, because Maryland disposition can run longer than national averages.
Maryland flip loan terms (2026)
| Term | Maryland range |
|---|---|
| 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, ~10.5%–12% |
| Term | 6–12 months |
Local risk to scope in Maryland
Maryland carries specific physical-risk lines you must price before close:
- Lead-paint abatement on Baltimore rowhomes (registration and inspection required)
- Chesapeake flood overlays
Profit math on a Baltimore flip
| Line | Amount |
|---|---|
| Purchase | $209,000 |
| Rehab | $75,000 |
| All-in | $284,000 |
| Carry (~8 mo @ ~12.0% IO) | $20,448 |
| ARV (conservative) | $388,000 |
| Selling costs (~8%) | $31,040 |
| Est. net before tax | $52,512 |
Healthy on conservative comps; overruns are the main risk. Spread compresses fast when ARV comps are optimistic or rehab runs 15%–25% over scope.
Where Maryland flippers find inventory
- Baltimore — rowhome BRRRR with lead-paint abatement in draws
- Prince George’s County — DC-commuter demand; verify local rent rules
Maryland Office of the Commissioner of Financial Regulation oversees mortgage activity; verify Baltimore city tax credits and transfer costs.
Baltimore rowhome flip — lead-paint and ARV discipline
Baltimore investor stock is pre-1940 rowhomes with lead-paint registration requirements. Scope lead abatement and $8K–$15K contingency before you model ARV:
| Line | Baltimore rowhome |
|---|---|
| Purchase (distressed) | $185,000 |
| Rehab (incl. lead) | $82,000 |
| Carry (9 mo @ 11.5% IO) | $23,100 |
| ARV (conservative) | $348,000 |
| Selling costs (~8%) | $27,840 |
| Est. net before tax | $30,060 |
Prince George’s County flips run higher basis ($320K–$460K) with DC-commuter rent support — better for Maryland DSCR hold exits than razor-thin resale spreads.
Worked example: Prince George’s County flip
| Line | PG County SFR |
|---|---|
| Purchase (estate sale) | $335,000 |
| Rehab (full cosmetic + mechanical) | $68,000 |
| Carry (7 mo @ 11.5% IO) | $21,500 |
| ARV (conservative) | $465,000 |
| Selling costs (~8%) | $37,200 |
| Est. net before tax | $3,300 |
Thin resale spread — PG County sponsors often pivot to BRRRR hold via hard money lenders Maryland when flip math falls below $15K net. DC-commuter rent support ($2,000–$2,700) makes DSCR refi the stronger exit lane.
Baltimore rowhome flips need lead-paint registration in every scope — budget $8K–$15K abatement contingency before you commit to ARV. Non-judicial foreclosure via assent-to-decree keeps acquisition timelines moderate but disposition can still run longer than national averages.
Paterson-adjacent NJ competition
Passaic County (Paterson) investors cross-shop Maryland and NJ markets — see hard money Paterson NJ for Passaic County basis comparison.
After the flip: hold instead?
If the numbers favor a hold, refinance into a Maryland DSCR loan on the stabilized rent, or run a portfolio bridge via hard money lenders Maryland.
Maryland fix-and-flip FAQ
How much do Maryland fix-and-flip loans cover?
Typically up to ~90% of purchase plus 100% of an approved rehab budget, sized to ARV — commonly the $285,000 – $485,000 band across Maryland investor stock. Leverage depends on experience and the deal.
How fast can I close a flip loan in Maryland?
Asset-based files in Maryland can close in roughly 7–14 days with clear title and a workable scope — fast enough for Baltimore auction and estate timelines.
What kills Maryland flip margin most often?
Optimistic ARV comps and rehab overruns of 15%–25%, plus lead-paint abatement on Baltimore rowhomes (registration and inspection required). Build contingency into every Maryland budget.
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.