Licensed & LendingHard Money & DSCR Loans in Maryland
Capital Kings funds Maryland investor loans. Hard money, DSCR, and bridge across Baltimore, the DC suburbs, and the Eastern Shore. MD is one of the higher-price Mid-Atlantic markets and our lender network is tuned to it.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Maryland Deals
Baltimore city flips need lenders who know the neighborhoods. The difference between Federal Hill and Park Heights is enormous and matters at every step from valuation to exit. Our network includes Baltimore-experienced lenders for city deals and DC-corridor specialists for Montgomery / Prince George's County.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Maryland fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Maryland buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Maryland growth corridors specifically.
Active Markets
Cities We Fund Across Maryland
Active lending across Maryland's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Maryland Investors
Baltimore neighborhood-aware fix-and-flip
Available statewide for Maryland investors.
DC corridor DSCR rentals
Available statewide for Maryland investors.
Bridge financing for Eastern Shore acquisitions
Available statewide for Maryland investors.
Common Questions
Maryland Lending FAQ
Do you lend hard money loans in Maryland?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Maryland through our 270+ lender network. We close Maryland deals in as little as 7 days.
What cities in Maryland does Capital Kings lend in?
We fund investor loans statewide in Maryland, with active deal flow in Baltimore, Frederick, Rockville, Gaithersburg, Annapolis and the surrounding metros.
Do you offer DSCR rental loans in Maryland?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Maryland on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Maryland hard money loan close?
Most Maryland fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Maryland fix-and-flip loan?
As little as 0% down on the right deal. Most Maryland hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Maryland can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Maryland Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Maryland deal we close.
Adjacent Markets
Also Lending In
M
Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Maryland deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Maryland are originated by partner lenders licensed to lend in Maryland. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.