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.
When Maryland flippers use bridge capital
| Situation | Why fix-and-flip fits |
|---|---|
| Auction or estate acquisition in Baltimore | Close in 7–14 days when banks cannot |
| Distressed SFR with deferred mechanical | ARV-based bridge funds scope banks decline |
| Pivot to hold after rehab | Exit to Maryland DSCR if rent supports coverage |
| Value-add resale in Prince George’s County | Interest-only carry through rehab and list |
| First-time sponsor with strong GC | Conservative LTC with milestone draws |
Fix-and-flip economics in Maryland
Margin is made on the buy and protected on the timeline. 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 |
|---|---|
| Scope risk | lead-paint registration and rental license diligence on Baltimore/PG parcels |
| 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
Underwrite local risk honestly in Maryland:
- Lead-paint abatement on Baltimore rowhomes (registration and inspection required)
- Chesapeake flood overlays
Rehab scope and draw discipline in Maryland
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 mechanical draws on Baltimore and Prince George’s County files before cosmetic inspection passes.
Profit math on a Baltimore flip
| Line | Amount |
|---|---|
| Corridor | Baltimore and Prince George’s County |
| 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 |
Baltimore and Prince George’s County flip spreads need contingency on 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.
After the flip: hold instead?
When Baltimore and Prince George’s County rent supports hold math, exit to Maryland DSCR; when resale is stronger, recycle via fix and flip Maryland. .
When fix-and-flip is wrong for Baltimore and Prince George’s County
- Baltimore and Prince George’s County rent roll supports hold — ; stabilize into DSCR Maryland
- Owner-occupied house-hack — business-purpose bridge does not apply
- Unpriced scope risk — ; fix budget before IO carry
Maryland fix-and-flip FAQ
How much can I borrow on a Maryland flip?
Lenders size Maryland files to sold comps near $245,000 – $385,000 on Baltimore and Prince George’s County stock — typically ~90% of purchase plus 100% of approved rehab, capped near 70%–75% of ARV on conservative first deals.
What local risk changes Maryland scope?
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How fast can I close in Baltimore and Prince George’s County?
With clear title and a line-item scope, Baltimore and Prince George’s County auction and estate files often fund in 7–14 days when is already documented.
Maryland fix-and-flip carry model
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Typical Maryland ARV spans $245,000 – $385,000 with $30,000 – $75,000 rehab scopes across Baltimore and Prince George’s County. Underwrite 7–10 month hold at 8.99%–13.5% IO before list — not active-listing ARV. Model investor property tax and landlord insurance on the parcel before draw one.
On Baltimore and Prince George’s County acquisitions, tie each draw to inspection milestones so does not force a scope reset mid-project. Hold exit: DSCR Maryland.
Maryland flip carry discipline — Baltimore sold comps (2026)
- Prince George’s County imports fail underwriting — comp within 0.5 mi on matching bed/bath in Baltimore.
- Baltimore rowhome BRRRR funded at 87% LTC with lead-paint abatement in draw schedule.
- Reserve two to four months IO beyond rehab — ~1.05% property tax and investor insurance on exact PIN.
Baltimore flip bridge 8.99%–13.5% IO to 90% LTC · DSCR Maryland hold exit · Pre-qualify · (833) 264-7776.
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.