Hard Money Lender in Baltimore County, Maryland
Fix & flip, bridge, new construction, DSCR and probate financing for investors in Baltimore County, from Towson, Parkville and Perry Hall to Catonsville, Arbutus, Dundalk, Essex, Pikesville and Owings Mills. Loans from $50,000, written approval within 24 hours, subject to underwriting. We lend in Baltimore County only, not Baltimore City.
Baltimore County Loan Programs for Investors
- Fix & Flip$50K–$2M · 10.49–12.99% · Brick rowhouses, duplexes and post-war single-family homes
- New Construction$50K–$2M · draws on a schedule set at closing · Infill lots and tear-downs inside the URDL
- Bridge Loans$50K–$2M · up to 80% of purchase · Quick closings on estate, auction and off-market purchases
- DSCR Rental Loans$50K–$3M · qualify on the rent · Licensed rentals held long term
Baltimore County offers a lower entry basis than the DC suburbs and a deep stock of older brick housing, which makes it a steady market for renovations and long-term rentals. Values vary a lot between the east side, the west side and the northern suburbs, so we size loans on finished sales in the same neighborhood and on rents the area actually supports.
Investing in Baltimore County: what to know
County, not city
Baltimore County wraps around Baltimore City on three sides, and the two are completely separate jurisdictions with different permits, taxes and rules. Many “Baltimore, MD” mailing addresses are actually in the county. We lend in the county only, so we confirm the jurisdiction on every address before we issue terms.
Maryland areas →Rental licenses through PAI
The county requires rental properties to be registered and licensed before a tenant moves in, including short-term rentals. For buildings with six or fewer units, a state-licensed home inspector completes an inspection sheet for each unit, and homes built before 1978 need lead documentation. The Department of Permits, Approvals and Inspections (PAI) administers the program, which we plan into every DSCR rental refinance.
DSCR Rental Loans →The Urban-Rural Demarcation Line
The county has no incorporated cities or towns, and its long-standing Urban-Rural Demarcation Line (URDL) separates the areas planned for public water and sewer from the rural north. Inside the line, infill lots and tear-downs are realistic new construction plays; outside it, wells, septic and rural zoning shape what can be built.
New Construction →Waterfront east side
Dundalk, Edgemere, Essex, Middle River and Bowleys Quarters sit on Back River, Middle River and the Chesapeake Bay. Waterfront homes can fall under the Chesapeake Bay Critical Area and floodplain rules that affect additions and rebuilds, so we check those before sizing the project.
Bridge Loans →What we look at on a Baltimore County file
- Jurisdiction. County or City, confirmed from the tax record, not the mailing address.
- Housing stock. Brick rowhouses and duplexes in Dundalk, Essex, Arbutus and Halethorpe, post-war Cape Cods and split-levels in Parkville, Overlea and Catonsville, and larger single-family homes toward Towson, Lutherville-Timonium and Owings Mills each have different budgets and buyers.
- Rental license path. Whether the property can pass the county's rental license inspection and, for pre-1978 homes, Maryland's lead-risk rules.
- URDL and utilities. Inside or outside the Urban-Rural Demarcation Line, and public utilities versus well and septic.
- Inherited homes. Estates for county residents are opened with the Register of Wills for Baltimore County in Towson, 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 Baltimore County
Arbutus, Catonsville, Cockeysville, Dundalk, Essex, Halethorpe, Lansdowne, Lutherville-Timonium, Middle River, Nottingham, Overlea, Owings Mills, Parkville, Perry Hall, Pikesville, Randallstown, Reisterstown, Rosedale, Towson, White Marsh and Woodlawn. We do not lend in Baltimore City.
Baltimore 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.
Baltimore County Hard Money Questions
Do you lend in Baltimore City?
No. We lend in Baltimore County, the separate jurisdiction that surrounds the city, but not in Baltimore City. We confirm the jurisdiction from the tax record on every address.
Do I need a rental license in Baltimore County?
Yes, in most cases. Rental properties must be registered and licensed with the Department of Permits, Approvals and Inspections before a tenant moves in, and properties with six or fewer units need an inspection by a state-licensed home inspector.
Can you finance a rowhouse or duplex in Baltimore County?
Yes. Rowhouses, duplexes and small multifamily buildings are common renovation and rental projects here, financed with our fix & flip, bridge and DSCR loans, subject to underwriting.
Is Baltimore County eligible for your joint venture program?
Our JV program is limited to properties inside the Capital Beltway around Washington DC, so Baltimore County deals use our fix & flip, bridge, new construction and DSCR loans instead.
What are your hard money rates in Baltimore 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 Baltimore 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 · Anne Arundel County, MD · Montgomery County, MD
Have a Deal in Baltimore County?
Send the address and your numbers. Written terms within 24 hours, subject to underwriting.