Fix and Flip Loans in Maryland
RevitaLending is a direct private lender that makes fix and flip loans in Prince George's, Montgomery, Charles, Anne Arundel and Baltimore counties, Maryland, funded with our own private capital: $50,000 to $2M, rates from 10.49% to 12.99%, up to 100% of the rehab budget, no minimum FICO and no appraisal, with written approval in 24 hours. Call or text (202) 595-5472.
Maryland fix and flip loan terms
We’re a direct lender, not a broker. We fund every loan in-house with our own private capital.
- Loans from $50,000 to $2M
- Up to 100% of the rehab budget, plus generally up to 80–85% of the purchase price, with the total loan up to 70% of after-repair value (ARV)
- First-time flippers considered
- No minimum FICO, no tax returns and no debt-to-income ratio
- No appraisal needed. We value and inspect the property ourselves
- Written approval within 24 hours; clean files close in as little as 3 business days
- Draws funded within 24 to 48 hours of inspection
- No prepayment penalty; fix & flip loans carry a 3-month minimum interest
- Rates from 10.49% to 12.99%, subject to underwriting; points quoted per deal
- Up to 100% of purchase and rehab when purchase plus rehab is 65% of ARV or less (loan over $500,000, experienced borrower)
- 6–12 month terms, interest-only
- 1–4 unit residential, condos, townhomes and small multifamily; individuals, LLCs and corporations
Business-purpose loans on non-owner-occupied investment property. Rates, terms and leverage are subject to underwriting and change. Not a commitment to lend.
Where we make fix and flip loans in Maryland
We lend in five Maryland counties. We size the after-repair value on sales from the same neighborhood, not a county average. We lend throughout the Washington DC metro area: Washington DC, Maryland and Northern Virginia. Surrounding neighborhoods are considered case by case.
Prince George's County
Our busiest Maryland market. Inside the Beltway, Hyattsville, Capitol Heights and Suitland are full of brick colonials, ramblers and Cape Cods that need kitchens, baths and systems. Permits run through DPIE.
Prince George's County guide →Montgomery County
From Silver Spring and Wheaton to Rockville and Germantown, investors mostly renovate 1950s and 1960s housing. Permits come from the Department of Permitting Services.
Montgomery County guide →Charles County
Centered on Waldorf, White Plains, La Plata and Indian Head, Charles County offers newer housing and value-add homes at a lower basis than the inner suburbs. Rural parcels may rely on well and septic, so we look at those reports alongside the budget.
Charles County guide →Anne Arundel County
From Glen Burnie and Odenton to the Annapolis area, investors renovate split-levels and colonials near Fort Meade and BWI. Shoreline parcels can fall under Chesapeake Bay Critical Area rules.
Anne Arundel County guide →Baltimore County
Towson, Catonsville, Dundalk, Essex and Owings Mills have brick rowhouses, duplexes and post-war homes that make steady renovation projects.
Baltimore County guide →We do not lend in Baltimore City
We lend in Baltimore County, which surrounds the city, but not on property inside Baltimore City.
First-time and experienced Maryland flippers
First-time flippers are considered. The loan is sized on the project and your exit, not your personal income. Experience affects leverage and pricing, and the 100% loan-to-cost option is reserved for experienced borrowers. Tell us about your team, your contractor and any projects you have completed.
How much can you borrow on a Maryland flip?
Three limits apply, and the lowest one sets the loan: generally up to 80–85% of the purchase price, up to 100% of the rehab budget, and a total loan of up to 70% of the after-repair value.
Example 1: standard leverage
Purchase price $300,000, rehab budget $80,000, after-repair value $500,000. Purchase funding at 80–85% is $240,000 to $255,000, plus $80,000 of rehab, for $320,000 to $335,000. That is under the typical 70% ARV limit of $350,000. Purchase plus rehab is 76% of ARV, so 100% loan-to-cost doesn’t apply, and you would bring roughly $45,000 to $60,000 plus closing costs.
Example 2: 100% loan-to-cost
Purchase price $400,000, rehab budget $150,000, after-repair value $900,000, experienced borrower. Purchase plus rehab is $550,000, which is 61% of ARV (under 65%), and the loan is over $500,000, so up to 100% of purchase and rehab, $550,000, may be possible. That is also under the typical 70% ARV limit of $630,000.
Illustrative examples using our published ratios, not real deals and not a quote. Every loan is subject to underwriting.
How rehab draws work
The purchase is funded at closing. The rehab budget is held back and released in draws as work is completed and verified, on a budget and draw schedule agreed at closing. Draws are funded within 24 to 48 hours of inspection.
A recent Maryland fix and flip we funded
- Funded in
- 2 weeks
- Loan type
- Fix-and-flip purchase
- Appraisal
- None
- Income documents
- None
The property needed major upgrades. We funded the purchase in two weeks with no appraisal and no income documents. The rehabber renovated the property and sold it at a profit.
Shared with permission; details limited to protect borrower privacy. See all recently funded loans.
What to send us
- The property address and purchase price
- Your rehab budget, line by line if you have it
- The after-repair value you expect, with comparable sales
- Your exit: sell, or refinance and hold
- Your closing date and any completed projects
Related: DSCR rental loans to hold the finished property, new construction loans, bridge loans, fix & flip loans and how ARV and LTC work.
Maryland Fix and Flip Loan Questions
Do you make fix and flip loans in Maryland?
Do you lend in Baltimore City?
What are the rates on a Maryland fix and flip loan?
How much of the purchase and rehab do you lend?
Do you work with first-time flippers in Maryland?
Is there a minimum credit score?
Do I need an appraisal?
How fast can you close a Maryland fix and flip loan?
How do rehab draws work?
Is there a prepayment penalty?
More Maryland: Maryland hard money loans · Prince George's County · Montgomery County · Charles County · Anne Arundel County · Baltimore County · DC fix and flip loans · Virginia fix and flip loans · loans with no appraisal
Have a Flip in Maryland?
Send the address and your numbers. Written terms within 24 hours.