HARD MONEY LENDER MARYLAND

Maryland investors can borrow from us statewide, including Baltimore, Frederick, Gaithersburg, Rockville and Bowie. Every loan is business-purpose and secured by non-owner-occupied real estate, funded from our own balance sheet. One decision maker approves the file, which keeps a standard closing at five to seven days and a clean bridge file closer to three. Purchases, rehabs, refinances and ground-up construction all qualify.

Short windows on Baltimore City rowhouses are routine here, and fix and flip money is built for them. We fund the purchase and the renovation budget together, underwriting the after-repair value of the block rather than your personal income statement. Canton, Hampden and Locust Point projects move on this structure constantly. Send the contract and the scope and you can be closing within the week.

Montgomery County rentals qualify under the rental property DSCR program, whether that is a Rockville townhouse, a Gaithersburg condo or a small multifamily near a Metro station. The loan is sized on the property's income rather than your employment history, and there is no prepayment penalty if you sell or refinance early. Bridge financing is available first when the unit needs work before leasing.

Ground-up construction is one of our nine programs and it applies in Frederick County and Prince George's County alike, from an infill lot near downtown Frederick to a rebuild in Bowie. We need the plans, the budget, the schedule and the exit strategy. Because the capital is in-house, draw decisions do not route through a committee, and the project keeps moving on your timeline.

Single-family rentals, condos, townhomes, two to four unit buildings, apartment buildings, mixed-use, retail, office, industrial and flex, self-storage, hospitality, manufactured housing and land. Business-purpose and non-owner-occupied is the core of the book, with owner-occupied handled under its own program.

The address, the purchase price or current value, what you owe, what you plan to do with the property and how you intend to pay the loan back. That is enough for a written quote. Full-doc income packages are not part of the low-doc programs, which is why a quote arrives in hours rather than weeks.

No prepayment penalty on the bridge programs. Pay the loan off the day the flip sells or the refinance funds and you owe interest for the days you used the money. That matters when the whole plan is to be in and out inside a year.

Five to seven days is the standard, and low-doc bridge deals have closed in as little as three. Speed comes from the structure, not from cutting corners: in-house capital, one decision maker and minimal documentation. Title and escrow set the floor, so the sooner those are opened, the sooner the wire moves.