In Baltimore, a rowhouse project rarely fails at the purchase. It stalls at the end, when a rehab loan matures before the rental license, the lead certificate and the tenant are all in place.
In short: Our top pick for bridge loans in Baltimore, MD is LendingStreet. We close in as little as 10 days, lend $150,000 to $5M+ on 1 to 8 unit investment property with rates from 7.99%, and refinance licensed, leased rowhouses into 30-year DSCR loans, so the last mile of a project does not become the most expensive one. Get a quote with the form below or call (877) 298-1001.
LendingStreet is our top pick for Baltimore investors who need short-term money. Our bridge loans run from $150,000 to $5M+ on 1 to 8 unit residential investment property, with rates from 7.99%, interest-only payments and closings in as little as 10 days. On some bridge programs, no appraisal is required.
Our loans fit investors renovating rowhouses, buying vacant or estate properties, closing quickly to beat financed offers, or paying off a rehab loan that is about to mature while the rental license is still pending. The exit is a sale or a 30-year DSCR loan that qualifies on the rent.
Have a Baltimore City or Baltimore County property? Get a quote with the form below or call (877) 298-1001.
Investors searching for bridge lenders often compare national names like CoreVest, Dominion Financial, Lima One and Roc Capital. Here is how LendingStreet stacks up on the scenarios that matter most for investors in Baltimore, MD. 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 |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| 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 is a rowhouse city. Investors work in Highlandtown, Patterson Park, Canton, Hampden, Remington, Charles Village, Belair-Edison, Hamilton, Lauraville, Morrell Park and Washington Village, and in Baltimore County communities such as Dundalk, Essex, Parkville and Catonsville. Brick rowhouses from the late 1800s through the 1950s make up most of the stock, along with some converted multi-unit buildings.
Many rowhouses need full renovations, and some carry vacant building notices that require permits and inspections before anyone can live there. That makes a long-term loan hard to get at purchase, and a bridge loan the natural first step.
Baltimore investors typically weigh a bank or credit union, a local hard money lender, a private individual and an investor lender like LendingStreet. The table shows general patterns; specific lenders vary.
Banks may be cautious on older city rowhouses and often require tax returns. Local hard money lenders are often quick, but fees and terms vary and they rarely offer long-term money. LendingStreet pairs speed with a DSCR refinance from the same lender.
| What to compare | LendingStreet | Typical bank | Typical private or hard money lender |
|---|---|---|---|
| How you qualify | Deal-focused; no W-2s needed; LLC borrowers standard | Often requires tax returns and personal income | Mostly based on the property |
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| Long-term exit | Refinance into a DSCR rental loan with the same lender | Possible, usually with full income documents | Usually short-term only |
| Loan size | $150,000 to $5M+ | Varies; large balances can be harder | Varies by lender |
| Valuation | No appraisal on some bridge programs | Appraisal usually required | Varies |
| Rates | From 7.99% | Varies | Varies; fees and terms vary |
| Where they lend | All 50 states and DC | Usually a local footprint | Usually local or regional |
Most of our Baltimore bridge requests look like one of these:
This example is illustrative and not a quote. An investor has finished renovating a Highlandtown rowhouse, but the rehab loan, with a balance of $228,000, matures before the rental license inspection is complete. A bridge loan of $240,000 pays off the old loan and funds $12,000 of final items. The estimated interest-only payment is about $2,000 a month, or about $8,000 over 4 months.
With the license issued and a tenant in place at $2,600 a month, the house is valued at $360,000. A 70% LTV DSCR refinance of $252,000 pays off the bridge with about $12,000 left before closing costs.
Estimated principal and interest is about $1,719. Baltimore City's property tax rate is high, so taxes are budgeted at about $675 a month, with insurance at $120. The total payment is about $2,514, for a DSCR of about 1.03x.
| Item | Amount |
|---|---|
| Maturing loan payoff | $228,000 |
| Final items funded | $12,000 |
| Bridge loan | $240,000 |
| Estimated interest-only payment | $2,000 a month |
| Interest over 4 months | $8,000 |
| Value with tenant in place | $360,000 |
| DSCR refinance (70% LTV) | $252,000 |
| Estimated principal and interest | $1,719 |
| Taxes and insurance | $795 |
| Total monthly payment | $2,514 |
| Monthly rent | $2,600 |
| DSCR | About 1.03x |
Maryland closing costs are higher than in many states. The state and Baltimore City both charge transfer and recordation taxes, and the split between buyer and seller depends on the contract and local custom. Baltimore City's property tax rate is also well above the surrounding counties. Ask your title company for a full estimate before you offer.
Baltimore City requires rental properties to be licensed, with a passing inspection. Maryland requires pre-1978 rentals to be registered with the state environment department and to meet lead risk reduction standards before a new tenant moves in. Some rowhouses also sit on ground rent, which your title company should review. Confirm short-term rental rules with the city before you plan on nightly income.
Rowhouses in Canton, Patterson Park and Hampden often sell well after a quality renovation. In neighborhoods where rents are strong relative to prices, investors usually hold. Our DSCR loans qualify on rent, with a 620 minimum credit score, a 1.0x standard minimum DSCR, LLC borrowers and 30-year terms.
Cash-out goes up to 75% LTV, and rate-and-term up to 80% on some programs. Seasoning varies by program. The high tax line in the city is the most common reason a refinance ratio comes in tight, so we run it with you early.
Ask every lender the same set of questions. LendingStreet's answers are below.
Ready? Get a quote with the form below or call (877) 298-1001.
Our top pick is LendingStreet: closings in as little as 10 days, bridge loans from $150,000 to $5M+ with rates from 7.99%, and a DSCR refinance with the same lender once the rental is licensed and leased.
Yes. We lend in Baltimore City and Baltimore County, across Maryland, and in all 50 states and DC.
Often, yes. It is a common use when a license inspection or lease-up runs longer than planned.
The city's rate is high compared with nearby counties, so taxes take a larger share of the rent. Budget on the current rate for the address.
For pre-1978 rentals, Maryland requires registration and lead risk reduction before a new tenant moves in, and the city requires a rental license. Having both in place makes the refinance smoother.
Yes, if the purchase plus rehab meets our $150,000 minimum and the project has a clear plan, budget and permit path.
In as little as 10 days with a complete file.
2-3 competing quotes from 30+ capital sources. No credit pull. No commitment.
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