Hard Money Lenders Baltimore MD — Direct Fast Funding

Looking for reliable hard money lenders in Baltimore? Our direct funding approach helps investors close fast on fix and flips, rehabs, and rental properties across 21224, Canton, Fells Point, and beyond. We’ve funded thousands of deals — yours could be next.

Get Pre-Approved Today — No Credit Check, No Red Tape

Why Choose Hard Money Lenders Baltimore When Time Is Critical?

When speed and flexibility matter most, hard money lenders Baltimore are the go-to solution for real estate investors across Charm City. Traditional lenders often move at a glacial pace, but our streamlined process lets you secure funds within days. Whether you’re flipping a rowhouse in Fells Point or refinancing a rental in Federal Hill, we’ve got your back.

Hard Money Lenders Baltimore: Deep Local Knowledge with Fast Closings

As experienced hard money lenders Baltimore, we understand the unique dynamics of neighborhoods like Canton, Mt. Vernon, and West Baltimore. Our underwriters analyze deals with real-time market data, not outdated appraisal formulas. That means faster approvals and more relevant loan structures tailored to your project.

Check out our Hard Money Loans for New Construction in Baltimore

What Sets Hard Money Lenders Baltimore Apart?

Unlike cookie-cutter lenders, our Baltimore office delivers:

  • Direct lending with no middlemen

  • Funding in 7–10 days or less

  • Asset-based underwriting focused on ROI

  • Local decision-makers who know Baltimore real estate

Still comparing options? Our DSCR loan calculator can help you evaluate rental income deals with precision.

Who We Help: From Fix & Flippers to Commercial Developers

Whether you’re:

  • Buying distressed rowhomes to renovate

  • Developing mixed-use properties in Station North

  • Refi’ing short-term bridge loans on investment assets

We are the hard money lenders Baltimore investors trust. Our local footprint and nationwide scale make it possible to fund your deal with confidence.

FAQs — Hard Money Lenders Baltimore MD

FAQs — Hard Money Lenders Baltimore MD

Most deals close in 7–10 business days, depending on title and appraisal readiness. Pre-approvals are typically issued within 30 minutes by our Baltimore underwriting team.
Not at all. We have some asset-based lending programs. However, for fix and flip and ground up construction, those programs are credit driven.
We’re active in investor hot spots like 21224 (Canton), 21230 (Federal Hill), and 21217 (Reservoir Hill). But we lend across the entire city — including West Baltimore, Cherry Hill, and Northwood.
Absolutely. Rowhomes are among the most common collateral types we fund. Whether it’s turnkey or in need of rehab, our team underwrites based on deal potential and resale comps.
No income docs are required for our fix & flip and asset-based programs. Our 30-year rental loans (DSCR) are based on property cash flow, not your personal income.
Yes — we frequently fund first-time rehabbers and rental property buyers in Baltimore. We provide guidance on scopes of work, draw schedules, and local resale timelines to support your success.
Loan amounts up to 90% of purchase and 100% of repairs, interest rates from 10–12%, 6–12 month terms, and rehab draws as needed. Exact terms depend on deal size, location, and experience.
Yes. We offer bridge loans and DSCR refinances to reposition assets, unlock equity, or exit short-term financing — especially in active areas like Patterson Park or Mount Vernon.
We’re a direct lender. When our Baltimore team approves your deal, we fund it ourselves — no third-party delays, markups, or surprises.

Baltimore Hard Money Lenders – Why Choose Us?

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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. 

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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.

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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 the most efficient hard money lender in Baltimore.

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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. 

Baltimore Hard Money Real Estate Market

Foreclosure Rates for Baltimore MD

Investors who want to find deals from foreclosure properties can consider these statistics to understand the Baltimore real estate market for pre-foreclosures, auctions, and bank-owned properties.

As one of the top hard money lenders in Baltimore, we work with investors every day who are looking for foreclosure opportunitites. 

Sale Prices in Baltimore MD

Real estate sales in Baltimore still support an active fix/flip market. You want to closely monitor your average days on the market because when you are flipping properties, this is the best indicator of how long it will take you to sell once the property is completed.

As one of the top hard money lenders in Baltimore, we work with investors every day who are looking for flip/rehab opportunities in Baltimore.

Get Approved For A Hard Money Loan in Baltimore

Simple and Fast Application Process