Fix & Flip • Rental Property (BRRRR) • Construction Loans
Fix & Flip | Fix & Rent | Commercial Loans
MD Private Lender was founded in 2009 by Michael Krupp, who started in hard money lending in 1997. After completing 100+ flips, new construction projects, and building a rental portfolio over 30 years, we’ve been through market crashes, booms, and everything in between. We’ve sat on both sides of the table—as borrowers and lenders—so we can help you learn from our mistakes instead of making your own.
Rehab draw funds released within 24-48 hours so your projects stay on schedule.
100+ flips, 20+ rentals. We evaluate deals the way you do.
Local knowledge = better deals. We know the markets and players.
Work directly with Michael. No call centers, no bureaucracy.
Most loans approved within 24 hours. No committees or delays.
We help new investors structure deals correctly and avoid mistakes.
● Same-Day Approvals and POF Letters – Funding decisions within hours.
● No Appraisals Necessary – we do our own valuation in house.
● Closings Within 7 Days (when possible) – Get your deal done fast.
● Draw Funds in 24–48 Hours – Keep your projects moving.
● Up to 100% Financing – (up to MAX 75% ARV).
We fund both purchase and renovation costs
● 12-Month Interest-Only Terms – Designed for investor flexibility.
● 12% Interest, 2 Points (Typical for qualified, experienced borrowers).
● 650+ credit score
● $35k+ in Liquidity
● Sufficient Income to support loan interest payments
We are not cookie-cutter lenders. Experienced investors who meet two of the three main requirements
may still qualify. We look at the full picture, not just the numbers, your track record, the deal itself, and
not just a checklist. Always send us your deal to review. First time investors are welcome
Real deals, real results from Maryland investors
Loan Amount: $XXX,XXX
Loan Amount: $XXX,XXX
● 17 years of proven local expertise as a Trusted Lender in Maryland
● 30 years of real estate investment experience
● Fast, direct decisions – no middlemen
● Flexible terms for real investors
● We understand Maryland’s markets — because we invest here too
Perfect for borrowers with properties that don’t fit traditional bank guidelines and or need quick
settlement. We finance residential and commercial properties with strong equity positions or renovation
potential to increase the value.
Ideal for:
● Commercial real estate
● Mixed-use or Multi-Family properties
● Business loans secured by owned real estate
Loan Highlights:
● 12–16% rates
● 2–6 points
● Up to 65% LTV (based on current or after-repair value)
● 12-month interest-only and 60-month fully amortizing terms available
Our house sold in just one week for above the asking price! The process was incredibly smooth and completely stress-free.
As first-time buyers, we had so many questions. They were patient, honest, and guided us through every step of the process.
Their knowledge of the local market is unmatched. We found the perfect neighborhood and a home that fits our budget perfectly.
Incredible negotiation skills! They fought for our best interests and saved us thousands. We couldn't have secured this home without them.
Our reputation is built on the foundations of trust, transparency, and results. We take immense pride in the relationships we cultivate with our clients, turning complex real estate transactions into seamless, rewarding experiences.
Within days if the title work and lien sheet are ready. Typically we can close loans within 1-2 weeks or less. We are rarely the hold up, title is.
We don’t have a minimum credit score requirement. We evaluate the deal first—property value, equity position, financial ability, and your experience matter more than your credit score.
We typically lend 90% of the Purchase Price and 100% of Rehab costs, up to 75% of the (LTV) Loan to Value based on the (ARV) After Repair Value. We can even lend up to 100% of the Purchase and Rehab on a case by case basis.
Typically 12 months Interest Only with extension options available. For Rentals and Commercial properties, we can do 5 year fully amortizing loans as well.
Typically within 24-48 hours of the draw request. We review pictures/video or inspect the work, approve the draw, and send funds to you or your contractor via EFT the next day after approval.
No prepayment penalties. Pay off the loan whenever your project is complete.
We lend throughout Maryland, including Baltimore City, Baltimore County, Howard County, Anne Arundel County, Prince Georges County, Montgomery County, Harford County, Carroll County and more. We may also consider deals in the Washington DC metro area, VA, and PA on a select basis.
Absolutely! First-time investors are our specialty. With 30 years experience, we will help mentor and guide you through the process and help structure your deal for success. You can learn from our mistakes rather than making your own.
Have more questions? Call us at 410-340-6171 or submit an application.
Give your buyers a reliable, fast-closing lender they can count on. We work diligently to ensure every viable deal gets to the closing table.
We frequently refer our clients to trusted wholesalers and agents in our network. Let’s build a mutually beneficial relationship.
Whether this is your first flip or your 50th, we’re here to help.
