Hard Money Lender in Montgomery County, Maryland
Direct fix & flip, bridge, new construction and DSCR rental loans for investors in Montgomery County, from Silver Spring, Takoma Park and Bethesda to Rockville, Gaithersburg and Germantown. Loans from $50,000, written approval within 24 hours.
Montgomery County Loan Programs for Investors
- Fix & Flip$50K–$2M · 10.49–12.99% · Updates to 1950s and 1960s ramblers, split-levels and colonials
- New Construction$50K–$2M · draws on a schedule set at closing · Tear-down rebuilds in Bethesda, Chevy Chase and Kensington
- Bridge Loans$50K–$2M · up to 80% of purchase · Fast purchases and payoff of a maturing loan
- DSCR Rental Loans$50K–$3M · qualify on the rent · Rentals underwritten to Montgomery County rent rules
Investing in Montgomery County: what to know
Down-county and up-county
Silver Spring, Takoma Park, Wheaton, Kensington, Bethesda and Chevy Chase are the older, closer-in markets, and the parts inside the Capital Beltway can be considered for our 100% JV program. Rockville, Gaithersburg, Germantown, Olney and Clarksburg bring newer subdivisions and townhomes, while the Agricultural Reserve keeps much of the north and west rural.
JV Program →County permits or city permits
Most addresses get building permits from the county's Department of Permitting Services. The cities of Rockville and Gaithersburg run their own planning and permitting, so a project there follows the city's process instead. We confirm the jurisdiction on every address before we set the timeline.
Fix & Flip →Rental license and rent stabilization
A property must have a county rental housing license from the Department of Housing and Community Affairs before it is rented or even advertised. The county's rent stabilization law, in effect since July 2024, limits annual increases on most licensed units that are at least 23 years old, so we underwrite DSCR rental exits to the rent the law allows.
DSCR Rental Loans →WSSC Water and the Purple Line
WSSC Water provides public water and sewer in Montgomery and Prince George's counties, so new construction budgets should include its connection charges. The Purple Line light rail from Bethesda through Silver Spring to New Carrollton is in testing, with opening currently targeted for late 2027 or later.
New Construction →Communities we finance in Montgomery County
Aspen Hill, Bethesda, Burtonsville, Chevy Chase, Clarksburg, Colesville, Damascus, Gaithersburg, Germantown, Glenmont, Kensington, Montgomery Village, Olney, Potomac, Rockville, Silver Spring, Takoma Park, Wheaton and White Oak. If your property is elsewhere in Montgomery County, send us the address.
Montgomery County loan terms
We lend our own capital as a balance-sheet lender, 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.
Montgomery County Hard Money Questions
Do you lend throughout Montgomery County, Maryland?
Yes, on non-owner-occupied investment property across the county, including the cities of Rockville, Gaithersburg and Takoma Park.
How does rent stabilization affect a DSCR loan in Montgomery County?
The law limits yearly rent increases on most licensed rentals that are at least 23 years old. We size DSCR loans on the rent the property can legally charge, and newer properties under 23 years old are generally exempt.
Do I need a rental license before I rent the property?
Yes. Montgomery County requires a rental housing license from the Department of Housing and Community Affairs before a home is rented or advertised for rent. We ask for it, or the plan to get it, on DSCR refinances.
Can you finance a tear-down in Bethesda or Chevy Chase?
Yes. Our new construction loan funds the rebuild on a draw schedule set at closing, from $50,000 up to $2M. Budget for permit review and WSSC Water connection charges, and we build both into the loan term.
What are your Montgomery County hard money rates?
Fix & flip and bridge loans run from 10.49% to 12.99%, subject to underwriting. We can fund up to 100% of purchase and rehab when purchase plus rehab is 65% of after-repair value or less (loan over $500,000, experienced borrower). DSCR loans go up to $3M and are priced separately.
How fast can you close in Montgomery County?
Written approval within 24 hours and closings in as little as 3 business days on clean files. No minimum FICO, no tax returns and no full appraisal.
More Maryland areas: all Maryland counties and cities we serve · Prince George's County, MD
Have a Deal in Montgomery County?
Send the address and your numbers. Written terms within 24 hours.