Hard Money Lender in Anne Arundel County, Maryland
Fix & flip, bridge, new construction, DSCR and probate financing for investors in Anne Arundel County, from Glen Burnie, Brooklyn Park and Pasadena to Severn, Odenton, Crofton, Severna Park and the Annapolis area. Loans from $50,000, written approval within 24 hours, subject to underwriting.
Anne Arundel County Loan Programs for Investors
- Fix & Flip$50K–$2M · 10.49–12.99% · Post-war Cape Cods, ramblers and split-levels in the north county
- New Construction$50K–$2M · draws on a schedule set at closing · Infill lots and rebuilt waterfront cottages
- Bridge Loans$50K–$2M · up to 80% of purchase · Quick closings on estate and off-market purchases
- DSCR Rental Loans$50K–$3M · qualify on the rent · Rentals near Fort Meade, BWI and the Annapolis job base
Anne Arundel County sits between Baltimore and DC, with jobs at Fort Meade, BWI and in Annapolis, so it draws buyers and renters from both metros. The north county offers a lower entry basis and steady flips, while waterfront areas carry higher values and tighter environmental rules. We size loans on nearby finished sales because values change quickly from one peninsula or subdivision to the next.
Investing in Anne Arundel County: what to know
North county: older housing near BWI and Fort Meade
Glen Burnie, Brooklyn Park, Linthicum, Ferndale, Pasadena and Severn hold much of the county's post-war housing: brick Cape Cods, ramblers and split-levels that need systems and finishes. Odenton, Hanover and Crofton add newer townhouses and single-family homes close to Fort George G. Meade and BWI, which support steady rental demand.
Fix & Flip →The Chesapeake Bay Critical Area
Land within 1,000 feet of tidal waters and tidal wetlands falls in the Chesapeake Bay Critical Area, where lot coverage, buffers and clearing are limited. That affects additions, rebuilt waterfront cottages and new construction along the Magothy, Severn, South and West rivers, so we confirm Critical Area status before we size a project.
New Construction →Permits through Inspections and Permits
County permits run through the Department of Inspections and Permits at the Heritage Office Complex on Riva Road, and new applications are generally submitted online through the Land Use Navigator. The City of Annapolis is incorporated and issues its own permits, and exterior work in its historic district goes through the city's Historic Preservation Commission.
Bridge Loans →Rental licensing
The county requires a Multiple Dwelling License for buildings with two or more rental units, with a zoning certificate of use and Health Department and Fire Marshal inspections; single-family rentals generally do not need one. Short-term rentals register separately. Pre-1978 rentals must also meet Maryland's lead-risk reduction rules.
DSCR Rental Loans →What we look at on an Anne Arundel County file
- County or City of Annapolis. Annapolis addresses can be in the city or the county, and the city has its own permits and historic district rules.
- Critical Area and flood zone. Waterfront and creek-side parcels can carry buffer limits and flood insurance costs that change the budget and the buildable footprint.
- Water and sewer. Much of the north and central county has public utilities, while parts of south county rely on wells and septic, which we review with the plan.
- Unit count. A duplex or small multifamily rental needs a Multiple Dwelling License before it can be rented, which we plan into DSCR refinances.
- Inherited homes. Estates for county residents are opened with the Register of Wills for Anne Arundel County, with the Orphans' Court handling matters that need a judge. Our probate loans can pay off liens or fund repairs once someone has authority to sign.
Communities we finance in Anne Arundel County
Annapolis area, Arnold, Brooklyn Park, Crofton, Davidsonville, Deale, Edgewater, Ferndale, Gambrills, Glen Burnie, Hanover, Linthicum, Millersville, Odenton, Pasadena, Riva, Severn, Severna Park and Shady Side. If your property is elsewhere in Anne Arundel County, send us the address.
Anne Arundel County loan terms
We’re a direct lender funding every loan in-house with our own private capital, so the team that approves your loan is the team that funds it.
- Loans from $50,000; fix & flip, bridge and new construction up to $2M
- DSCR rental loans up to $3M, priced separately from hard money
- Fix & flip and bridge rates from 10.49% to 12.99%, subject to underwriting
- Up to 100% of purchase and rehab when purchase plus rehab is 65% of ARV or less (loan over $500,000, experienced borrower)
- In-house valuation or broker price opinion (BPO), no full appraisal
- No minimum FICO, no tax returns, no debt-to-income ratio
- Written approval within 24 hours; clean files close in as little as 3 business days
Business-purpose loans on non-owner-occupied investment property. Rates, terms and leverage are subject to underwriting and change. Not a commitment to lend. Local rules summarized here are general information, not legal advice; confirm with the jurisdiction. Inherited property? Read our probate and heir property guide.
Anne Arundel County Hard Money Questions
Do you lend everywhere in Anne Arundel County?
Yes, on non-owner-occupied investment property across the county, including Glen Burnie, Pasadena, Severn, Odenton, Crofton, Severna Park and the Annapolis area.
Does the Chesapeake Bay Critical Area affect my project?
If the property is within 1,000 feet of tidal waters or tidal wetlands, Critical Area rules can limit lot coverage, clearing and building in the buffer. We confirm the status early on additions and new construction.
Do I need a rental license in Anne Arundel County?
The county requires a Multiple Dwelling License for buildings with two or more rental units; single-family rentals generally do not need one. Short-term rentals register separately. Confirm with the Department of Inspections and Permits.
Is Anne Arundel County eligible for your joint venture program?
Our JV program is limited to properties inside the Capital Beltway, so Anne Arundel County deals use our fix & flip, bridge, new construction and DSCR loans instead.
What are your hard money rates in Anne Arundel County?
Fix & flip and bridge loans run from 10.49% to 12.99%, subject to underwriting, from $50,000 to $2M. DSCR rental loans go up to $3M and are priced separately.
How fast can you close in Anne Arundel County?
Written approval within 24 hours and closings in as little as 3 business days on clean files, with an in-house valuation or broker price opinion instead of a full appraisal.
More Maryland areas: all Maryland counties we serve · Prince George's County, MD · Baltimore County, MD
Have a Deal in Anne Arundel County?
Send the address and your numbers. Written terms within 24 hours, subject to underwriting.