Maryland combines Baltimore, where a $1M+ bridge often buys a group of rowhouses, with Montgomery County and Annapolis, where a single home can pass $1M. Lead paint rules, rental licenses and stacked transfer taxes are part of every deal.
In short: LendingStreet offers Maryland bridge loans from $1M to $5M+ on 1-8 unit investment properties, with rates from 7.99% and closings in as little as 10 days. Larger balances are reviewed case by case and usually need a full valuation. Maryland investors use them for Baltimore rowhouse packages, Montgomery County homes and small buildings, then refinance into DSCR or jumbo DSCR loans.
In Baltimore, investors focus on neighborhoods such as Canton, Federal Hill, Hampden, Remington, Mount Vernon, Bolton Hill and Patterson Park, where rowhouses and converted multi-unit buildings are common. Groups of rowhouses in the city often pass $1M together.
In Montgomery County, Bethesda, Chevy Chase, Silver Spring, Rockville and Takoma Park have high-value homes and small buildings. Prince George's County, Howard County (Columbia and Ellicott City) and Anne Arundel County (Annapolis) have strong rental demand. Ocean City and the Eastern Shore have vacation rentals.
Outside the Baltimore and Washington suburbs, in places like Hagerstown, Frederick and Salisbury, prices are lower and a large bridge usually covers several homes.
| Area | Typical large-bridge collateral | Main local issue |
|---|---|---|
| Baltimore City | Rowhouse packages, small multi-unit | Rental license and lead registration |
| Bethesda, Chevy Chase, Silver Spring | High-value homes, small buildings | County rent stabilization and licensing |
| Columbia, Ellicott City, Annapolis | Suburban and waterfront homes | HOA rules, flood zone |
| Ocean City, Eastern Shore | Vacation rentals | Rental licenses and seasonality |
Maryland files above $1M usually involve:
Our residential investor bridge program runs from $150,000 to $5M+, with rates from 7.99%. Files from $1M up are reviewed case by case: the property, your experience with similar deals, liquidity after closing and the exit all carry more weight as the balance grows.
Larger balances usually need a full valuation, so plan for an appraisal or similar report in the timeline. With the valuation ordered early and title moving, closing in as little as 10 days is realistic; terms are short and interest-only.
Maryland stacks a state transfer tax, county transfer taxes and county recordation taxes. Combined, they can be among the highest closing taxes in the country, and they vary a lot by county. Baltimore City and some counties are especially high. Recordation tax can also apply to new mortgages.
Get a full estimate from your title company for every property in a package, and include recordation tax on the refinance in your exit plan. Property taxes are assessed on a three-year cycle, and the homestead tax credit only applies to primary residences.
This example is illustrative and not a quote. An investor buys ten rowhouses in southeast and north Baltimore from one owner for $1,600,000. Seven are leased and licensed, and three need work to pass rental license and lead inspections.
The three homes are repaired, pass inspection and are leased, and all ten refinance together.
Baltimore City taxes are high, so they are a large share of the payment. Lead certificates and rental licenses are required before the refinance can count rent from each home.
Maryland requires owners of pre-1978 rentals to register them and meet lead risk reduction standards, with inspections at turnover. Non-compliance creates serious liability, so build lead work and certificates into your budget.
Baltimore City requires rental licenses with inspections for all rentals. Montgomery County requires rental licenses and adopted a rent stabilization law that limits annual increases on many units. Check which rules apply before you rely on higher rents.
Some Baltimore properties are still subject to ground rent, where a separate owner holds the land and collects a small annual rent. State law has changed how ground rents work, but they still need to be identified and handled in title.
On a rowhouse package, title work can take longer because of old liens, unpaid water bills or ground rent issues. Order title early and resolve problems before the closing date.
Baltimore also has vacant building notices on some properties. A vacant notice affects permits and insurance, so confirm the status of every property in a package.
A bridge buys time. The plan for that time should end in a sale or in a 30-year DSCR or jumbo DSCR loan sized on lease income, with LLC borrowers standard and no tax returns. Minimum DSCR on standard programs is 1.0x and minimum credit is 620.
Know your target refinance amount on day one. If the refinance will not cover the bridge payoff, plan the cash you will bring or the property you will sell.
Use the form below or call (877) 298-1001. These items let us move straight to terms:
They vary by county and can be very high. Get a title estimate for each property, including recordation tax on the refinance.
Pre-1978 rentals must be registered and meet lead risk reduction standards, with inspections at turnover.
Yes. The county has a rent stabilization law covering many units. Check before relying on higher rents.
Yes. Each rowhouse is a 1-8 unit property, and the group can refinance into a blanket or individual DSCR loans.
Plan on it. Larger balances usually need a full valuation, and getting it scheduled the first week is what keeps a quick close possible.
Often 10 days to a few weeks, depending on valuation scheduling, title and how many properties are in the deal.
The program runs from $150,000 to $5M+, and larger balances are reviewed case by case.
Usually a 30-year DSCR loan that qualifies on rent, or jumbo DSCR for larger balances, with max LTV that varies by program.
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