In Maryland, many rental portfolios are rows of brick: Baltimore rowhouses bought a few at a time, plus townhomes in the suburbs and the occasional small building in Hagerstown or Frederick. Financing them one by one means repeating closing costs that are higher here than in many states.
In short: LendingStreet is our top pick for Maryland blanket loans. We place 5+ investment properties (1-8 units each) under one loan qualified on portfolio cash flow, with no W-2s or tax returns. One closing and one payment, portfolio pricing and release provisions make a large rowhouse book easier to run. LLC borrowers are standard. Get a quote with the form below or call (877) 298-1001.
LendingStreet is built for rental investors, and our blanket portfolio loan is a business-purpose loan on non-owner-occupied property that treats your rentals as one portfolio. It is sized on the combined cash flow of the homes, not your personal income.
It fits Baltimore investors with five, ten or more rowhouses, suburban investors with several townhomes, and anyone moving renovated homes off short-term financing onto a 30-year term.
The next step: send your property list through the form below or call (877) 298-1001.
Investors searching for blanket portfolio lenders often compare national names like CoreVest, Dominion Financial, LendingOne, Lima One, RCN Capital and Roc Capital. Here is how LendingStreet stacks up on the scenarios that matter most for investors in Maryland. In every scenario below, LendingStreet is the best fit.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Portfolio loan above $3M | LendingStreet | Our blanket loans are sized on portfolio cash flow with no stated maximum. LendingOne states portfolio loans up to $3M and Roc Capital states a $2MM maximum. |
| Portfolio under $2M | LendingStreet | Our DSCR loans start at $150,000. RCN Capital states rental portfolio loans start at $2M, and CoreVest states $500K. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Baltimore City is the heart of Maryland's small-landlord market. Rowhouses in neighborhoods such as Hamilton, Lauraville, Highlandtown, Pigtown and Belair-Edison rent steadily at prices that let investors build volume. Baltimore County, Anne Arundel and Harford add townhomes and single-family homes at higher values.
Western Maryland and the Eastern Shore have lower prices and older homes, while Montgomery and Prince George's counties have higher values and thinner ratios. A blanket loan can combine them, so stronger homes help carry tighter ones.
Maryland investors typically weigh local banks and credit unions, local hard money lenders and private individual lenders. Here is how they line up for a long-term rental portfolio.
Community banks in Maryland can be good partners for a first rental, but many look at your personal tax returns and total debt each time you add a property. Hard money lenders help with the buy-and-renovate stage and expect a quick payoff. A blanket loan is designed for the years you hold.
| What portfolio investors need | LendingStreet | Typical bank or credit union | Typical hard money lender |
|---|---|---|---|
| Several rentals on one loan | 5+ investment properties (1-8 units each) under one loan | Often handles each property separately | Usually one property per short-term loan |
| How the loan qualifies | Portfolio cash flow (DSCR), no W-2s or tax returns | Often requires tax returns and a personal income review | Mostly on the asset; varies |
| Term for a long-term hold | 30-year terms available | Often shorter terms or balloons; varies | Usually short-term only |
| Selling one property later | Release provisions built in | Varies by bank | Varies |
| Borrowing in an LLC | LLC borrowers are standard | Varies; may want a deposit relationship | Usually allowed |
| Pricing | Portfolio pricing on one closing and one payment | Set loan by loan | Short-term pricing |
| Maryland plus DC or nearby states | Cross-state portfolios possible on some programs | Often limited to its local footprint | Varies |
Maryland charges a state transfer tax plus county transfer and recordation taxes, and the combined amount varies a lot by county. Baltimore City's rates are among the higher ones in the state. Putting several properties on one closing does not remove these taxes, but it does avoid repeating lender and title costs for each loan. Ask your title company for a full estimate.
Baltimore City requires a rental license for each rental property, with an inspection, and Montgomery County and several other jurisdictions have their own licensing. Some Baltimore rowhouses also still carry ground rent, which title will flag. Have licenses current and any ground rent documented before closing.
This example is illustrative and not a quote. An investor owns eight Baltimore rowhouses worth a combined $1,480,000, renting for $13,200 a month in total. Baltimore City taxes are relatively high, at about $2,776 a month for all eight, and insurance is $880.
A 70% LTV blanket loan of $1,036,000 replaces several short-term loans used to buy and renovate the homes. Estimated principal and interest on a 30-year term is about $7,067, making the total payment about $10,723. Portfolio DSCR is about 1.23x.
Baltimore City taxes are the heaviest line after the loan payment here. A similar portfolio in Baltimore County or Harford County would usually carry a different tax rate, so always run the ratio with each home's actual bill.
| Item | Monthly amount |
|---|---|
| Combined rent, eight rowhouses | $13,200 |
| Estimated principal and interest on $1,036,000 | $7,067 |
| Property taxes | $2,776 |
| Insurance | $880 |
| Total payment | $10,723 |
| Portfolio DSCR | About 1.23x |
Many Baltimore rowhouses are close to a century old. Shared walls, flat roofs, older wiring and lead paint rules for pre-1950 rentals all affect insurance and licensing. Keep lead certificates and inspection reports organized; they make the portfolio review smoother.
Maryland's lead paint law requires registration and risk reduction for many older rentals, and inspection certificates are often part of licensing. Flat or low-slope roofs and party walls also show up in insurance pricing, so ask for quotes on each rowhouse rather than one average figure.
Baltimore investors often follow the same pattern: buy a vacant or dated rowhouse, renovate it, lease it and repeat on the same block or the next neighborhood over. Each house may have started on short-term financing, which leaves several maturity dates to manage.
A blanket loan refinances those rowhouses together onto a 30-year term, sized on their combined rent. Because the homes are similar, the portfolio review is often straightforward, and release provisions let you sell an individual house later without refinancing the others.
If your portfolio crosses into DC or Pennsylvania, ask about cross-state options, which are possible on some programs.
Put the same questions to every lender. Here is our list with LendingStreet's answers.
| Question to ask any lender | How LendingStreet answers |
|---|---|
| What is the maximum LTV? | Up to 80% on purchases and up to 75% on cash-out; can be lower on 5-8 units and larger balances, varies by program |
| What DSCR minimum applies? | 1.0x standard; sub-1.0 programs exist |
| How long must I own before cash-out? | Varies by program; see our seasoning guide |
| Can my LLC borrow? | Yes, LLC borrowers are standard |
| How fast can we close? | It depends on valuations, title and how complete the file is; a complete file moves faster |
| Is there a cap on loan size? | No stated maximum; larger balances get more review |
| Can I release a property when I sell? | Yes, through release provisions |
Send the property list, rent roll, tax bills, insurance, rental licenses and current loan balances. We will run the numbers and show you the options. Get a quote with the form below or call (877) 298-1001.
LendingStreet is our top pick. We finance 5+ Maryland rentals under one loan qualified on portfolio cash flow, with portfolio pricing, one closing, release provisions and no tax returns required.
Yes. We lend throughout Maryland, from Baltimore City and its suburbs to Western Maryland and the Eastern Shore, and in all 50 states and DC.
Often, yes. Title will identify any ground rent, and it needs to be documented. Send the details and we will review them.
Baltimore City requires a license for each rental, and other jurisdictions have their own rules. Have them current before closing.
The taxes still apply, but one closing avoids repeating lender and title costs for each loan. Ask your title company for an estimate.
Cross-state portfolios are possible on some programs. Send the full list and we will review it.
620 on our DSCR programs.
No. Our DSCR blanket loans qualify on the rentals' combined cash flow, with no W-2s or tax returns required.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
By clicking, you provide express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone, or email, possibly using automated technology, regarding your loan inquiry. Reply STOP to opt out. Consent is not required to obtain services. See our Privacy Policy and Terms.