Hard Money Lenders Maryland
Get approved in less than 5 minutes with instant term sheet + proof of funds
Fast Maryland Hard Money Loans
Ready to close in less than a week
- Interest rates 9.25 – 11.25%
- Credit score 650+
- Loan-to-Cost Up to 90%
- No income verification
- Get approved online in 5 minutes
- Instant proof of funds letter
- Interest only payments
Need financing for your upcoming real estate project? Get approved for a hard money loan in 5 minutes using our online application
Need funding fast? Look no further than New Silver. New Silver has the perfect selection hard money loans for property investors in Maryland.
New Silver has a variety of different hard money loan products available to suit the needs of any real estate investor. Run by a team of experienced real estate professionals, our loans are ideal for real estate investors in Maryland.
Loan Programs
Fix & Flip
For house flippers hoping to purchase a fixer upper to renovate and resell in Maryland. Interest rates from 9.25 – 11.25%, Loan-To-Cost up to 90%, with loan terms up to up to 18 months. Hard Money Refinance Loans also available.
- Get up to $5,000,000
- Interest rate 9.25 – 11.25%
- Origination fee from 1.25 - 1.75%
- Up to 100% construction
Rent
30-year rental loans for stabilized rental properties. Ideal for investors hoping to acquire an investment property. Interest rates from 6.375, loan-to-purchase price up to 80%. Built for buy and hold investors that purchase rental properties.
- Get up to $3,000,000
- Interest rate 6.375
- Origination fee 0 - 2%
- 30-year fixed rate
Ground Up
Designed for residential builders, our ground up construction loans can finance up to 90% Loan-to-Cost (LTC). Interest Rates from 10.5 to 11.5%
The perfect solution for builders in Maryland that need quick access to capital to fund construction costs.
- Get up to $5,000,000
- Interest rate 10.5 - 11.5%
- Origination fee from 1.5 - 2%
- Up to 18 months
Loan Application Process Overview
This short video will walk you through the application process, show you how to get conditionally approved online in under 5 minutes, see your preliminary term sheet and show you how our easy online platform helps you be more successful.
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Recently Funded In Maryland
$920,000
Baltimore, MD
$102,400
Baltimore, MD
$153,000
Cambridge, MD
$315,000
Upper Marlboro, MD
Ready to start your project?
New Silver can supply the capital you need to invest in real estate
Get Approved OnlineMaryland Housing Market Overview
Average Home Value
$433,956
1-Year Home Appreciation
2.4%
Average
1 Bedroom Rent
$1,675/month
Average 3 Bedroom Rent
$2,271/month
Why Maryland Still Works for House Flippers
Maryland’s average home value sits well above the national average, currently priced at $433,956. This elevated baseline has pros and cons for investors. On the upside, higher resale values provide the opportunity for larger gross profit margins, especially in high-demand counties like Montgomery and Howard. The key is locating distressed or undervalued properties in stable neighborhoods—those with good school ratings, low crime, and solid infrastructure.
For house flippers, this is where Maryland shines. While the margins are tighter in hot markets, the spread between pre-rehab and after-repair value (ARV) remains attractive due to strong buyer demand. Unlike ultra-competitive states like California or Florida, investor competition in Maryland remains manageable, especially in suburban and semi-rural pockets.
Appreciation Has Slowed, But There Is Value In Predictability
Maryland’s home appreciation rate over the last 12 months sits at 2.4%, well below the national average. That might seem like a red flag, but for long-term investors, market predictability is a competitive edge. Unlike volatile boom-bust states, Maryland’s real estate market offers consistency.
The state has avoided extreme price fluctuations seen elsewhere and instead shows slow, steady gains—especially in markets anchored by government jobs (e.g., Annapolis, Frederick) or proximity to D.C. This environment favors buy-and-hold strategies, where rental yield and equity appreciation build over time.
Rental Demand Anchored by Urban Growth
With 1-bedroom rents averaging $1,675 and 3-bedroom units fetching around $2,271/month, Maryland’s rental market is solid—especially near job hubs like Baltimore, Silver Spring, and Rockville. Demand is bolstered by transient professionals, federal workers, and college students, making multifamily units and accessory dwelling units (ADUs) especially valuable.
For investors seeking monthly cash flow, Maryland’s rent-to-price ratios are workable—though success requires sharp underwriting and geographic precision. Markets like Hagerstown and Dundalk offer better affordability with solid tenant demand, while the Baltimore metro area provides strong occupancy rates if management is executed well.
Maryland Real Estate Investor Associations
- Baltimore Real Estate Investors Association
- DC Real Estate Investors’ Association (DCREIA)
- Maryland Real Estate Exchange
- Mid-Atlantic Real Estate Investors Association
Resources Used In This Post
Reasons to Fund Your Investment Property with New Silver
It doesn’t matter if you are a buy and hold investor, a house flipping specialist or a real estate developer. New Silver is one of the highest-rated hard money lenders in Maryland with a selection of real estate loans perfectly matched to meet your real estate investing needs. Unlike a conventional mortgage which can take ages to complete, our hard money loans can be approved online in less than 5 minutes, with an instant proof of funds letter to help you secure the purchase. We are ready to help you solve your real estate investment needs, with extremely fast hard money lending solutions.
Frequently Asked Questions
Yes. New Silver is both a hard money lender and private money lender specializing in asset-based financing for real estate investors across the U.S. This makes us an excellent option for investors who need quick access to capital – with instant term sheets, competitive rates, and, most importantly, fast closings that typically happen within 5 to 7 business days.
New Silver offers a variety of loan terms to suit different real estate investing strategies in Maryland, including:
- Short-term fix and flip loans with durations typically between up to 18 months.
- 30 rental property loans for long-term investment stability.
- Construction loans structured around your development timeline, typically 18 months.
These terms allow real estate investors to match financing to their strategy—whether that’s a quick resale or long-term cash flow.
New Silver provides ground-up construction loans for real estate investors and developers building Residential 1-4 units, condos, townhomes in Maryland. We fund projects up to $5,000,000, with terms tailored to construction timelines. These loans are ideal for single-family residential builds that need reliable capital from start to finish.
New Silver offers short-term bridge financing through our fix and flip loan program. These loans have terms of up to 18 months and are ideal for real estate investors who need immediate funding to purchase and improve properties before resale.
Interest rates on hard money loans are higher than traditional mortgages because of the increased risk and speed involved. These loans are used for investment properties that need renovation, quick closing timelines, or flexible qualification—situations traditional lenders usually avoid.
Hard money loans are asset-based, meaning the property’s value drives the approval and serves as collateral for the loan. Since they’re short-term and fund riskier projects, the higher interest compensates for that risk. In return, investors gain access to fast, flexible capital that can help them act on time-sensitive opportunities and scale their portfolio faster.
Origination fees for New Silver loans typically range between 1.25 - 1.75%. Monthly payments on short-term loans are interest-only, reducing cash flow strain during renovations. For an accurate estimate, we recommend using our Hard Money Loan Calculator to preview fees and monthly costs.
Credit scores are part of our evaluation process, but they’re not the primary factor. Unlike traditional lenders, New Silver focuses on the asset and overall deal strength. A lower credit score may still qualify if the investment opportunity is strong.
New Silver offers a range of loan products designed for real estate investors in Maryland, including:
Each product is tailored for specific investment strategies, whether you’re renovating, holding, or building.
New Silver specializes in residential investment properties up to 4 units. We do not currently fund commercial properties with more than 4 units. However, we have partners we can refer you to if your project exceeds our scope.
We offer a DSCR-based 30-year rental property loan.This loan qualifies largely based on the income generated by the investment property, with a minimum DSCR requirement of 0.75. It’s ideal for buy-and-hold investors who want long-term financing in Maryland.
Where We Lend
Hard Money Loans Across The US
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- Delaware
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- Illinois
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- Maryland
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- Rhode Island
- South Carolina
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- Texas
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- Washington
- Washington DC
- West Virginia
- Wisconsin
- Wyoming
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