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.

• Property address and purchase price
• After-repair value (ARV)
• Renovation budget and scope of work
• Your real estate experience (even if it’s your first deal)
• Your Finances
• Exit strategy (how you’ll repay the loan)

Have more questions? Call us at 410-340-6171 or submit an application.