In Maryland, a large bridge loan often funds a group of Baltimore rowhouses, a higher-value home in Montgomery or Howard County, or the payoff of a loan coming due. Closing costs here can be heavy, so the lender you choose needs to move fast and help you budget the full cost of getting in and out.
In short: Our top pick for large bridge loans in Maryland is LendingStreet. We fund investor bridge loans on 1-8 unit property from $150,000 to $5M+, focused here on $1M and up. We can close in as little as 10 days, rates start from 7.99%, and we offer DSCR, jumbo DSCR and blanket loans for the exit, so you can see the long-term numbers before you commit. Get a quote with the form below or call (877) 298-1001.
LendingStreet works only with real estate investors. Our bridge loans are short-term, interest-only, business-purpose loans on non-owner-occupied 1-8 unit property, which covers Baltimore rowhouses, duplexes in Silver Spring and Hyattsville, and higher-value homes in Bethesda, Potomac, Ellicott City and Annapolis.
Balances over $1M get a closer look, and larger balances usually need a full valuation, which we order early. Requests above $5M are reviewed case by case.
Send the property list, price or payoff, rents and your exit through the form below to get started.
Well-known large bridge lenders include CoreVest, Dominion Financial, Lima One and Roc Capital. Compared scenario by scenario for investors in Maryland, LendingStreet comes out as the stronger choice, and one application covers it.
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. |
Maryland investors usually compare regional banks, local hard money lenders and private lenders. The table below is a general guide.
| What investors need | LendingStreet | Typical regional bank | Typical hard money or private lender |
|---|---|---|---|
| $1M+ investor bridge | Yes; to $5M+ with case-by-case review | Varies; often relationship-based | Varies |
| Speed | As little as 10 days | Often several weeks | Often fast |
| What they review | The property, plan and exit | Often personal tax returns | Mainly the property |
| Exit financing | DSCR, jumbo DSCR or blanket loan | Separate application | Usually short-term only |
| Footprint | All 50 states and DC | Regional | Often local |
Baltimore rowhouse groups are a classic case. Landlords holding several renovated homes in neighborhoods across the north and east of the city sometimes sell them together, and the total can pass $1M even when each house is modest.
Maryland foreclosures generally go through a court-supervised sale process, and auction terms usually include a deposit and a short settlement window. Bridge loans also pay off maturing loans and fund purchases in Montgomery and Howard counties where the price runs higher. The exit can also be a DC-area single-family rental refinanced into a jumbo DSCR loan.
Maryland charges a state transfer tax of 0.5% of the price, and counties add their own transfer and recordation taxes, with rates that vary widely. Baltimore City's rates are among the higher ones. On a $1M+ purchase, these taxes can be a large share of the cash you bring, so get a title estimate early.
Baltimore City requires rental licensing with inspections, and Montgomery County has rental licensing and rent stabilization rules, and Takoma Park has long-standing rent limits. Some Baltimore homes still carry ground rent. Check all of these with the city, county and your title company before you buy.
This example is illustrative and not a quote. An investor buys nine renovated rowhouses in Baltimore for $1,890,000. The state transfer tax alone is about $9,450, before city transfer and recordation taxes and title costs. A bridge loan of $1,420,000 funds the purchase.
The estimated interest-only payment on the bridge is about $11,538 a month. Once all nine homes are leased at $1,900 each, rent is $17,100 a month.
The investor refinances into one blanket loan of $1,420,000. Estimated principal and interest is about $9,447, plus taxes of $3,537 and insurance of $990, for a total of about $13,974. DSCR is about 1.22x, a healthy cushion above the 1.0x standard minimum.
| Item | Amount |
|---|---|
| Purchase price, 9 rowhouses | $1,890,000 |
| State transfer tax at 0.5% | $9,450 |
| Bridge loan | $1,420,000 |
| Estimated interest-only payment | $11,538 |
| Rent after lease-up | $17,100 |
| Blanket exit total payment | $13,974 |
| DSCR on the exit | About 1.22x |
For a group of five or more rentals, a blanket loan is often the cleanest exit: one closing, one payment and release provisions if you sell a house. For a single high-value rental in Bethesda or Potomac, a jumbo DSCR loan may fit, though rents on luxury homes can be thin relative to price, so test the ratio before you buy. A sale is the third path.
Whichever exit you choose, budget the closing taxes on both ends. A refinance avoids a second deed transfer, but recordation tax can still apply to new mortgage debt in some cases, so ask title to price the exit as well as the purchase.
Maryland deals often slow down at title, not underwriting. Ground rent, open city liens, unpaid water bills and old permits can all surface on Baltimore rowhouses, so order title early and ask the seller for license and inspection records.
Flood exposure is another local item. Low-lying homes near the Chesapeake Bay and its rivers, including parts of Annapolis and the Eastern Shore, may sit in mapped flood zones where flood insurance is generally required. Get the flood determination and quote before you finalize the exit numbers.
Put the same six questions to every lender you are considering.
Leverage varies by program and loan size, and we give you the figure for your file. Exits use a 1.0x standard minimum DSCR, with sub-1.0 programs. Seasoning varies by program. LLCs borrow as a matter of course. We close in as little as 10 days, and we review requests above $5M case by case.
Call (877) 298-1001 or get a quote with the form below.
Our top pick is LendingStreet. We fund $1M to $5M+ investor bridge loans on 1-8 unit property, close in as little as 10 days with rates from 7.99%, and plan a DSCR, jumbo DSCR or blanket exit.
Yes. We lend throughout Maryland, including Baltimore City and County, Montgomery, Prince George's, Howard and Anne Arundel counties, and in all 50 states and DC.
The state transfer tax is 0.5% of the price, and counties add transfer and recordation taxes that vary. Ask your title company for exact numbers.
Yes. Rowhouse groups are a common use, and five or more rentals can then refinance into one blanket loan.
Yes, Baltimore City requires rental licensing with inspections. Confirm current requirements with the city before you lease.
Larger balances usually need a full valuation, and we order it early to keep the timeline on track.
Auctions usually require a deposit and fast settlement. Talk to us before you bid about timing.
No. Our bridge loans are for investment property only.
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