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.
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 non-judicial — primarily non-judicial via assent-to-decree; timeline is moderate. Cash-like certainty wins these deals against slower conventional offers.
Maryland hard money terms (2026)
| Term | Maryland range |
|---|---|
| Leverage | Up to ~90% of purchase + rehab, capped to ARV |
| Rate | Interest-only, ~10%–13% + 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.
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
- Purchase contract or auction confirmation
- Entity documents (LLC operating agreement, EIN) for vesting
- Scope of work and rehab budget
- Comps or a desktop valuation toward ARV
- Proof of funds for down payment and reserves
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. The pattern repeats: speed on acquisition, a clean scope, and a defined exit.
Define the exit before you borrow
Hard money is a bridge, not a destination. In Maryland that means one of two exits:
- Resale — finish and sell via fix and flip loans Maryland economics
- Refinance — stabilize and hold with a Maryland DSCR loan
Maryland Office of the Commissioner of Financial Regulation oversees mortgage activity; verify Baltimore city tax credits and transfer costs.
Maryland hard money FAQ
How fast can a Maryland hard money loan close?
With clear title and a workable scope, Maryland deals can fund in roughly 7–14 days — fast enough for Prince George’s County auction and estate deadlines.
What leverage do Maryland hard money lenders offer?
Commonly up to ~90% of purchase plus rehab, capped against ARV (often the $285,000 – $485,000 band in Maryland). Pricing reflects speed and asset risk, not your credit score alone.
What is the exit on a Maryland hard money loan?
Either resale via fix and flip, or refinance into a Maryland DSCR loan on stabilized rent. Define the exit before you fund.
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.