Fix & Flip Loans in Maryland
Maryland fix-and-flip activity centers on Baltimore metro and DC-suburb counties (Montgomery, Prince George's, Howard, Anne Arundel). MD is non-judicial via deed of trust with 90-180 day timelines. Baltimore offers low-entry inventory; DC suburbs offer premium ARV uplift.
Top Maryland markets for fix & flip
- Baltimore: Low-entry market with selective neighborhood opportunity.
- Montgomery County (Bethesda, Silver Spring, Rockville): DC-suburb premium; tight inventory.
- Prince George's County: Growing DC-suburb market; mid-tier flip opportunity.
- Anne Arundel County (Annapolis area): Coastal access plus DC commuter demand.
Maryland quick facts
- •Non-judicial foreclosure 90-180 days
- •MHIC license required >$500
- •Property tax 0.9-1.4%
- •Baltimore VBN program affects inventory
Active programs available in Maryland
Bridge Loan for Investors
confirmed 5/9/2026Bridge refinance program for 1-4 unit, multi-family, and mixed-use properties allowing cash out of the entire budget on day one.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan program for rural properties up to 10 acres with loan amounts up to $10MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026A residential transition loan program designed for real estate investors to finance property renovations and flips on non-owner-occupied properties.
Bridge Loan for Investors
confirmed 5/9/2026A streamlined short-term bridge loan program for non-owner-occupied investment properties, offering interest-only payments and no income documentation requirements for entity-based borrowers.
Bridge Loan for Investors
confirmed 5/10/2026Bridge loan program requiring no income verification or prior experience, with loan amounts up to $3MM.
Bridge Loan for Investors
confirmed 5/9/2026Bridge loan for multi-family and mixed-use properties with loan amounts up to $5MM.
Fix & Flip Loan for Investors
confirmed 5/9/2026Financing for experienced investors and developers focused on fix-and-flip projects with fast closing timelines.
Maryland Fix & Flip FAQs
Maryland foreclosure timeline?
Non-judicial via deed of trust (most lenders use this). 90-180 days typical from notice to trustee's sale. Faster than judicial states.
MD contractor licensing for flips?
MD Home Improvement Commission (MHIC) license required for any residential work over $500. Most flip lenders require licensed GC documentation.
Baltimore-specific considerations?
Vacant Building Notice (VBN) properties common in Baltimore. City offers receivership and demolition programs; investor opportunities exist for properties facing receivership. Title work typically more complex than suburban properties.
General fix & flip questions
How is the loan amount calculated?
Two caps apply at the same time: a percentage of purchase price (often 85–90%) plus 100% of rehab budget, AND a percentage of the as-completed value (ARV), typically 70–75%. The lower of the two caps governs.
Do I need experience to get a fix and flip loan?
No, but pricing improves with experience. Most lenders tier rates by completed flips in the last 24–36 months: 0 flips, 1–2, 3–5, 6–10, 10+. First-time flippers with a strong contractor and reserves can still qualify.
How are rehab funds disbursed?
Rehab is held in escrow and released through a draw process — typically 3–6 draws based on completion of scoped line items, with an inspector verifying each draw.
Got a Maryland fix & flip scenario?
Tell us the deal - we'll match you with the right Maryland lender and come back with current pricing.