Maryland hard money is asset-based bridge capital: decisions hinge on the deal and the exit, not on W-2 income. From Prince George’s County to Baltimore, it funds the deals that need to close before a bank could even order an appraisal.
When Maryland deals need hard money
| Deal type | Why speed matters |
|---|---|
| Courthouse auction in Prince George’s County | Proof of funds and 7–14 day close beat financed buyers |
| Probate or estate sale | Certainty of capital when title is messy |
| Gap between purchase and permanent debt | Short-term bridge until refi or resale |
| Non-warrantable or distressed collateral | Asset-based decision when agencies decline |
| BRRRR acquisition + rehab start | Bridge to Maryland DSCR after lease-up |
What Maryland investors use hard money for
- Distressed / non-warrantable assets a conventional lender will not touch
- Auction and trustee-sale buys — close on the courthouse timeline, not a 45-day bank clock
- Bridge between purchase and permanent financing or sale
- BRRRR starts — acquire and rehab, then exit to Maryland DSCR
Why speed matters here: Maryland foreclosure is judicial (circuit court), often shortened with assent-to-decree. Timeline is moderate, not a 21-day Texas trustee sale. Cash-like certainty still wins these deals against slower conventional offers.
Maryland ARV bands and leverage caps
Investor ARV on Baltimore and Prince George’s County sold comps commonly runs $245,000 – $385,000 with $30,000 – $75,000 rehab scopes. lead-paint registration and rental license diligence on Baltimore/PG parcels.
Maryland state income tax (~2%–5.75% + county) affects flip and hold exits — structure entity and timing with your CPA. Property tax at ~1.05% (state and county levies; Baltimore City carries a high rate) flows into carry on every month you hold bridge capital.
Maryland hard money terms (2026)
| Term | Maryland range |
|---|---|
| Scope risk | Prince George’s and Baltimore City lead paint and rental license layers — separate DC spillover comps |
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only 8.99%–13.5% + points |
| Term | 6–18 months |
| Close | As fast as 7–14 days |
| Basis | Asset-based; $285,000 – $485,000 typical ARV |
Maryland metros we fund
| Metro | Typical basis | Rent band | On-the-ground notes |
|---|---|---|---|
| Prince George’s County | $320K–$460K | $2,000–$2,700 | DC-commuter demand; verify local rent rules |
| Baltimore | $180K–$320K | $1,400–$1,950 | rowhome BRRRR with lead-paint abatement in draws |
Maryland levies state income tax (~2%–5.75% + county); structure the hold or flip exit with that in mind. Maryland basis spans a wide range: Baltimore’s median sale price sits near $267,000 while Montgomery County and the DC suburbs run far higher (Baltimore market data, 2026). That spread is the whole game — low-basis Baltimore City rewards value-add and title diligence, while suburban Maryland leans on finish quality, so underwrite each county, not a statewide average.
Diligence before you fund 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
What we need to issue a Maryland term sheet
- Proof of funds for down payment and reserves
- Comps or a desktop valuation toward ARV
- Purchase contract or auction confirmation
- Scope of work and rehab budget
- Entity documents (LLC operating agreement, EIN) for vesting
Clean documents on these points are what compress a Maryland closing to days, not weeks.
Recent Maryland deal
Baltimore rowhome BRRRR funded at 87% LTC with lead-paint abatement in draw schedule. Asset and exit drove the approval — not a personal income file.
BRRRR pathway: hard money → DSCR in Maryland
The compounding play in Maryland is not the flip check — it is recycling capital. Acquire distressed stock in Prince George’s County with hard money, rehab on draws, place a tenant at market rent, then exit to Maryland DSCR when the ratio clears at target LTV.
Baltimore and Prince George’s County auction timelines reward sponsors who can close in days, then pivot to Maryland DSCR once rent is documented.
Define the exit before you borrow
Hard money is a bridge in Baltimore and Prince George’s County, not a destination. Underwrite one of two exits before you draw:
- Baltimore and Prince George’s County resale — fix and flip Maryland when spread clears
- Baltimore and Prince George’s County hold — Maryland DSCR on executed lease and investor tax
Maryland Office of the Commissioner of Financial Regulation oversees mortgage activity; verify Baltimore city tax credits and transfer costs.
When hard money is the wrong tool in Baltimore and Prince George’s County
- Stabilized Baltimore and Prince George’s County rental with executed leases — use DSCR Maryland
- Owner-occupied strategy — business-purpose bridge does not apply
- No credible exit — hard money is a bridge; underwrite the resale or refinance exit before you borrow
Maryland hard money FAQ
What does Maryland hard money cover?
Business-purpose acquisition and rehab on Baltimore and Prince George’s County SFR and small multifamily — sized to $245,000 – $385,000 sold comps, not listing aspirational pricing.
What diligence is Maryland-specific?
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What is the typical Maryland exit?
Resale via fix and flip Baltimore and Prince George’s County or stabilize into Maryland DSCR when is reflected in the rent roll.
Maryland bridge acquisition checklist
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Size Maryland bridge exposure to $245,000 – $385,000 sold-comp discipline on Baltimore and Prince George’s County acquisitions. Scope rehab to $30,000 – $75,000 bands on qualified files; front-load mechanical and rough-in draws so inspections are not wasted on cosmetic passes. Permanent exit: Maryland DSCR.
Maryland hard money bridge gates — Baltimore acquisition (2026)
- Bridge 8.99%–13.5% IO on $285,000 – $485,000 sold-comp discipline in Baltimore — rowhome BRRRR with lead-paint abatement in draws.
- $40,000 – $110,000 rehab bands — front-load mechanical and rough-in draws before cosmetic inspection passes.
- Permanent exit: Maryland DSCR on executed lease or fix and flip Maryland when spread clears.
Baltimore acquisition · 8.99%–13.5% IO · $40,000 – $110,000 draw bands · Prince George’s County discipline · Submit scenario · (833) 264-7776.
Get Your Maryland Hard Money 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.