Hard Money Lender in Charles County, Maryland
Fix & flip, bridge, new construction, DSCR and probate financing for investors in Charles County, from Waldorf and White Plains to La Plata and Indian Head. Loans from $50,000 (new construction from $250,000), written approval within 24 hours.
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Charles County Loan Programs for Investors
Fix & Flip
$50K–$2M · 10.49–12.99% · draws funded within 24 to 48 hours of inspection · Newer housing and value-add homes at a lower basis than the inner suburbs
New Construction
$250K–$2M · draws on a schedule set at closing · draws funded within 24 to 48 hours of inspection · Ground-up builds on buildable lots
Bridge Loans
$50K–$2M · up to 80% of purchase · Close quickly, then sell or refinance
DSCR Rental Loans
$50K–$3M · qualify on the rent · Rentals that end in a DSCR refinance
Investing in Charles County: what to know
Waldorf, White Plains, La Plata and Indian Head
Charles County, centered on Waldorf, White Plains, La Plata and Indian Head, offers newer housing, buildable lots and value-add homes at a lower basis than the inner suburbs. It suits fix and flip projects, ground-up builds and rentals that end in a DSCR refinance.
Maryland Fix & Flip →Permits through Planning and Growth Management
Building permits in Charles County are handled by the Department of Planning and Growth Management’s Codes, Permits and Inspection Services, and applications are submitted electronically through the county’s Citizen Self Service portal (source: Charles County Government). Build permit time into your loan term.
New Construction →Well and septic on rural parcels
Rural parcels may rely on well and septic, so we look at those reports alongside the budget. Bring them with the address and your plans, and we will size the loan and the draw schedule around them.
New Construction →Flip, then hold
If the finished property rents better than it sells, our DSCR rental loan can pay off the short-term loan once it’s leased, qualifying on the rent rather than your personal income. Inherited homes can use our probate loan program instead.
DSCR Rental Loans →Communities we finance in Charles County
Waldorf, White Plains, La Plata and Indian Head. If your property is elsewhere in Charles County, send us the address. We prefer joint ventures inside the Capital Beltway, but we will consider a Charles County deal case by case.
Charles County loan terms
We’re a direct lender, not a broker, 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 (new construction from $250,000); 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)
- Fix & flip and new construction draws funded within 24 to 48 hours of inspection
- No prepayment penalty on fix & flip, bridge and new construction loans, which carry a 3-month minimum interest
- No appraisal needed on fix & flip, bridge and new construction loans. We value and inspect the property ourselves. DSCR rental loans do require an appraisal
- No minimum FICO on fix & flip, bridge and new construction loans; no tax returns or 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.
Charles County Hard Money Questions
Do you lend in every part of Charles County?
Do you finance rural parcels with well and septic in Charles County?
What are your hard money rates in Charles County?
Is the JV program available in Charles County?
Can I refinance a Charles County flip into a rental loan?
Can you help heirs with an inherited home in Charles County?
How fast can you close in Charles County?
More Maryland areas: all Maryland counties and cities we serve · Prince George's County, MD · Maryland fix and flip loans · loans with no appraisal
Have a Deal in Charles County?
Send the address and your numbers. Written terms within 24 hours.