#1 Hard Money Lenders Maryland for Real Estate Investors Since 1998

As the leading hard money lenders Maryland, we lend on fix and flips, construction and rental loans. Click the button to get started by sending a few quick pieces of info.


How can I Find Hard Money Lenders Maryland


The #1 Hard Money Lender Maryland

Submitting your application package is quick and easy.

American Association of private lenders member

Private Hard Money Lenders Maryland

As the leading Hard Money Lenders Maryland, Hardmoneyman.com LLC lends to real estate investors throughout the state. Specializing in fix and flip loans as well as rental loans, we have closed over 3,000 hard money loans in Maryland since 1998, making us one of the oldest hard money lenders in the country. Regardless of what part of Maryland, we are the go-to Maryland hard money lenders for real estate investors thanks to our ability to close quickly. 

We pride ourselves on being second to none in understanding all real estate markets that we lend in, and understanding the borrower’s objectives before putting together a loan proposal for them. 

Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans. He is also a real estate investor in NJ and NY.

Hard Money Lenders Maryland for what types of deals?

Our niche is 1-4 unit residential properties that you are either going to fix and flip or hold as a 30 year rental, or ones that you are building (ground up construction). We will look at 5+ unit apartment buildings that are in need of rehab or are stabilized. 

When real estate investors in Maryland are in need of fix and flip loans in Illinois, rental property as well as rental portfolio loans, 5+ unit multifamily bridge and 30-year loans, and ground up construction loans, it turns out the #1 choice for  hard money lenders Maryland is HardMoneyman.com LLC. 

Why HMM as your hard money lenders Maryland?

This is where we separate ourselves from other lenders, we under promise and overdeliver time after time! You speak with a decision-maker on all phone calls and by email (you can even text us too!) not some account executive that is just reading off their product matrix and hoping to fit your loan in their box. 

From Baltimore to Ocean City, Hardmoneyman.com LLC has helped real estate investors from new to experienced achieve their investment goals. Regardless of your location in Maryland, Hardmoneyman.com LLC is there to help you achieve your funding needs. 

Our quick and efficient process from intake to underwriting to closing, and then draws done in-house with our construction team, make us the market-leading hard money lenders Maryland. 

Contact us today and discover why we are the premier lender for Maryland real estate investors.  


Ken has been a hard money lender for over 25 years. He has funded over 25k deals for investors in that time. Ken specializes in fix and flips, ground up spec construction and 30 year DSCR loans. He is also a real estate investor in NJ and NY.

We Lend in:

Baltimore, Columbia, Germantown, Silver Spring, Waldorf, Ellicott City, Glenn Bernie, Frederick, Gaithersburg, Rockville and all other cities in Maryland

Maryland Fix and Flip Loans

Wisconsin-Construction-Loans-HardMoneyMan (1)

Maryland Construction Loans

Maryland Rental Loans

Maryland Multi Family Loans

Shaun Dozier
Shaun Dozier
My company has closed over 5 deals with Ken Vesely . He's very knowledgeable and will get it done . Good communication and responsive!
Demetri Williams
Demetri Williams
This is the best lender I've used for all my deals. Very fast and efficient. Never any glitch always a smooth sail to closing. Don't waste your time using someone else.
Dario Olivere
Dario Olivere
I have closed multiple deals with Ken. He’s to the point, very straight forward and won’t lead you on. He’s helped guide me along the way. I will always recommend him to my friends and I will always use him for my deals.
Tom Tinsey
Tom Tinsey
This was my first time using any type of hard money financing so I had tons of questions along the way. Ken answered every one and even helped me out a lot with great recommendations as far as building my real eatate portfolio. Look forward to working with him on future deals and would recommend. No nonsense. No bs. All buisness!!
Brandi Pernell
Brandi Pernell
The experience my husband’s and my company (Kingdom Realty, LLC) had with HardMoneyMan.com, LLC/Ken Vesely was five-star, from our very first interaction to closing. Ken is efficient, responsive, transparent and extremely knowledgeable. He kept his word on all things discussed, with no surprises along the way, which is extremely important with matters such as these. This was Kingdom Realty LLC's first experience with a hard money loan. Ken took the time to answer all of our questions and taught us a lot throughout our loan approval process. We closed our deal in less than 30 days; and would have closed sooner had it not been for the holidays. We are very much looking forward to working with HardMoneyMan.com LLC for our next deal, and strongly recommend this company to others looking to invest in real estate, close a deal quickly, and learn some tips along the way.
Christian Rodriguez
Christian Rodriguez
I have worked with Ken multiple times and every transaction was a breeze if I have to recommend a straight forward Hard Money Lender, Ken is the man to go with
Christina McCann
Christina McCann
Great company great experience
Joe Matthews
Joe Matthews
Dealing with Ken and his team is flawless. The process is very streamline from start to finish with excite communication throughout the process

Maryland Hard Money Lenders – Why Choose Us?


We're in the Business

We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit. 


We're a Direct Lender

We loan the money. We don’t find the money form someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.


We're Fast and Efficient

We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re one of the most efficient hard money lenders in Maryland.


We're Investor Focused

We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return. 

Unlocking the Potential of Real Estate Investment with Hard Money Lenders Maryland

Are you a real estate investor in Maryland looking to unlock the potential of your investments? Look no further than hard money lenders Maryland. These private lenders offer a fast and flexible financing solution that can help you seize opportunities in the competitive real estate market.

With traditional lenders tightening their criteria, hard money lenders Maryland provide an alternative funding source for real estate investors. Whether you need funding for a fix-and-flip project, a rental property purchase, or a construction project, hard money lenders Maryland can often provide the necessary funds. Their approval process is typically based on the collateral value of the property rather than your credit score, making it easier for investors with less-than-perfect credit to secure the financing they need.

Hard money lenders Maryland understand the local market and can offer personalized financing solutions tailored to your needs. They can provide funding quickly, allowing you to move forward with your real estate investments without delay. So, if you’re looking to unlock the potential of real estate investment in Maryland, consider partnering with hard money lenders and take your investment strategy to the next level.

Understanding hard money lenders

Hard money lenders Maryland, also known as private money lenders Maryland, are individuals or companies that provide short-term loans secured by real estate. Unlike traditional lenders such as banks, hard money lenders Maryland focus on the collateral value of the property rather than the borrower’s creditworthiness. This makes them an attractive option for real estate investors who may have difficulty obtaining financing through traditional means.

Hard money lenders Maryland understand the local market and have in-depth knowledge of the real estate landscape. They can offer personalized financing solutions tailored to your needs, whether you’re looking to fund a fix-and-flip project, purchase a rental property, or undertake a construction project. Their expertise in the local market can give you a competitive edge and help you make informed investment decisions.

Benefits of using hard money lenders in Maryland

There are several benefits to using hard money lenders Maryland for your real estate investments. One of the main advantages is their ability to provide funding quickly. Traditional lenders often have lengthy approval processes that can delay your investment plans. Hard money lenders Maryland, on the other hand, can evaluate your loan application and provide financing within a matter of days, allowing you to move forward with your investment projects without delay.

Another benefit of using hard money lenders is their flexibility. Traditional lenders typically have strict criteria and require extensive documentation. Hard money lenders, on the other hand, are more focused on the collateral value of the property. This means that even if you have less-than-perfect credit, you may still be able to secure the financing you need.

In addition, hard money lenders Maryland often offer more flexible terms compared to traditional lenders. They understand the unique needs and challenges of real estate investors and can structure loan terms that align with your investment strategy. This flexibility can give you the freedom to pursue a wide range of real estate opportunities and maximize your returns.

How to find reputable hard money lenders in Maryland

Finding reputable hard money lenders in Maryland is crucial to the success of your real estate investments. Here are some steps you can take to find reliable lenders:

  1. Research online: Start by conducting a search for hard money lenders in Maryland. Look for lenders with positive reviews and a strong track record of successful real estate investments. Pay attention to any complaints or negative feedback from previous borrowers.
  2. Ask for recommendations: Reach out to other real estate investors in Maryland and ask for recommendations. They may be able to provide insights and referrals based on their own experiences with hard money lenders.
  3. Attend local real estate networking events: Networking events are a great way to connect with other real estate professionals, including hard money lenders. Engage in conversations and build relationships with lenders who specialize in Maryland real estate.
  4. Consult with a real estate attorney or broker: Real estate attorneys and brokers often have connections to reputable hard money lenders. They can provide recommendations based on their knowledge and experience in the industry.

Once you have identified potential lenders, it’s important to conduct due diligence before entering into any loan agreements. Review their loan terms, interest rates, fees, and repayment schedules. Consider meeting with the lenders in person or over a video call to discuss your investment goals and ensure that they are aligned with their lending criteria.

The application process for hard money loans

The application process for hard money loans is typically straightforward and streamlined compared to traditional lenders. Here are the general steps involved:

  1. Loan application: Start by filling out a loan application form provided by the hard money lender. You will need to provide details about the property you plan to purchase or use as collateral, as well as information about your experience as a real estate investor.
  2. Property appraisal: The hard money lender will conduct an appraisal of the property to determine its current market value. This appraisal plays a crucial role in determining the loan amount.
  3. Documentation: You will be required to submit supporting documents such as property purchase contracts, construction plans (if applicable), financial statements, and any other relevant paperwork.
  4. Underwriting: The hard money lender will review your loan application and supporting documents to assess the viability of the investment. They will evaluate factors such as the property’s location, condition, and potential for profit.
  5. Loan approval: If the hard money lender is satisfied with the appraisal and underwriting process, they will approve the loan. They will provide you with a loan commitment letter outlining the terms and conditions of the loan.
  6. Closing: Once the loan is approved, you and the hard money lender will proceed with the closing process. This involves signing the necessary legal documents and transferring ownership of the property.

It’s important to note that each hard money lender may have slightly different application requirements and processes. Therefore, it’s essential to communicate with the lender directly and clarify any questions or concerns you may have.

Tips for successful real estate investment with hard money lenders

To maximize the potential of your real estate investments with hard money lenders, consider the following tips:

  1. Conduct thorough research: Before entering into any investment, thoroughly research the property, the market, and the potential risks and rewards. Understand the local market trends and analyze comparable properties to ensure that your investment aligns with your financial goals.
  2. Have a solid investment plan: Develop a clear and well-defined investment plan that outlines your acquisition strategy, renovation plans, and exit strategy. Having a solid plan in place can help you secure financing from hard money lenders and increase your chances of success.
  3. Build a strong network: Surround yourself with a network of professionals, including real estate agents, contractors, and property managers. These individuals can provide valuable insights, recommendations, and support throughout your investment journey.
  4. Maintain open communication with your hard money lender: Keep your hard money lender informed about the progress of your investment projects. Regularly update them on important milestones, such as property acquisitions, renovations, and property sales. This demonstrates your commitment to the investment and helps build a strong relationship with the lender.
  5. Manage your finances wisely: Properly manage your finances and ensure that you have a contingency plan in place for unexpected expenses. Remember that hard money loans often have high-interest rates and short repayment terms, so it’s crucial to have a clear financial plan to repay the loan on time.

By following these tips, you can increase your chances of success and unlock the full potential of your real estate investments with the help of hard money lenders.

Case studies of successful real estate projects funded by hard money lenders in Maryland

To further illustrate the benefits of working with hard money lenders in Maryland, let’s take a look at some real-life case studies of successful real estate projects:

  1. Fix-and-flip project in Baltimore: A real estate investor in Baltimore identified a distressed property in an up-and-coming neighborhood. They secured a hard money loan to purchase the property, renovate it, and sell it for a profit. With the help of the hard money lender, the investor was able to complete the project within the desired timeframe, resulting in a substantial return on investment.
  2. Rental property acquisition in Montgomery County: An investor in Montgomery County wanted to expand their rental property portfolio but was unable to secure financing through traditional lenders due to their credit history. They partnered with a hard money lender who evaluated the collateral value of the property and provided the necessary funds. The investor successfully acquired the rental property and generated a steady stream of income.

These case studies highlight the versatility and effectiveness of hard money loans in funding various real estate projects. Whether you’re looking to flip properties for quick profits or build a rental property portfolio for long-term cash flow, hard money lenders can provide the financing you need to achieve your investment goals.

Common misconceptions about hard money lenders

There are several misconceptions surrounding hard money lenders that can deter real estate investors from considering this financing option. Let’s debunk some of the common myths:

  1. High-interest rates: While it’s true that hard money loans often have higher interest rates compared to traditional loans, this is because they are short-term loans that carry a higher level of risk for the lender. However, the potential profits from successful real estate investments can outweigh the higher interest costs.
  2. Limited lending options: Some investors believe that hard money lenders only offer loans for fix-and-flip projects. In reality, hard money lenders can provide financing for a wide range of real estate investment strategies, including rental properties, construction projects, and commercial properties.
  3. Unreliable lenders: Another misconception is that hard money lenders are unscrupulous or predatory. While it’s important to conduct thorough research and due diligence when selecting a lender, there are many reputable and reliable hard money lenders in Maryland who have helped countless investors achieve their real estate goals.

By dispelling these misconceptions, real estate investors can better understand the benefits and opportunities that hard money lenders can provide.

Alternatives to hard money lenders in Maryland

While hard money lenders offer a valuable financing solution for real estate investors, it’s important to explore other options to determine the best fit for your investment strategy. Here are some alternatives to consider:

  1. Traditional lenders: Despite their stringent criteria, traditional lenders such as banks and credit unions may still be a viable option for some real estate investors. If you have a strong credit history, stable income, and a solid business plan, traditional lenders may offer competitive interest rates and longer repayment terms.
  2. Private investors: If you have a strong network of high-net-worth individuals or angel investors, you may be able to secure private funding for your real estate investments. Private investors can offer flexible terms and may be more willing to take on higher risks compared to traditional lenders.
  3. Crowdfunding platforms: Crowdfunding platforms have gained popularity in recent years as a way to raise capital for real estate projects. By pooling funds from multiple investors, you can access a larger pool of capital without relying on a single lender.
  4. Seller financing: In some cases, the property seller may be willing to finance the purchase themselves. This can be a mutually beneficial arrangement, as it allows the seller to sell the property quickly while providing the buyer with the necessary funds.

When exploring alternative financing options, it’s important to carefully consider the terms, interest rates, fees, and repayment schedules. Consult with a financial advisor or real estate attorney to ensure that you fully understand the implications of each option.


Unlocking the potential of real estate investment in Maryland requires access to flexible and timely financing. Hard money lenders offer a viable solution for real estate investors, providing fast approval and funding based on the collateral value of the property. By partnering with reputable hard money lenders, investors can seize opportunities in the competitive real estate market and maximize their returns.

When considering hard money lenders, it’s important to conduct thorough research, build a strong network of professionals, and develop a solid investment plan. By following these steps and utilizing the tips provided, investors can navigate the real estate market with confidence and unlock the full potential of their investments.

Remember, while hard money lenders are an excellent option, it’s important to explore alternative financing options to determine the best fit for your investment strategy. Each investor’s situation is unique, and careful consideration should be given to finding the right financing solution that aligns with your goals and risk tolerance.

Unlock the potential of your real estate investments in Maryland with hard money lenders and take your investment strategy to the next level

Get Approved For with the #1 Hard Money Lenders in Maryland

Simple and Fast Application Process