Maryland Hard Money Lender

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Our Loan Programs

Fix & Flip

Ground-up

Bridge Loans

Rental/DSCR

Short-term financing for purchasing and fixing up investment properties

Rates start at 9.99%
No-Points Loans
Close 7-15 days

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Build your next investment property from the ground-up

Rates start at 9.99%
No-Points Loans
Close 7-15 days

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Bridge financing to purchase, refinance, or reposition investment properties

Rates start at 9.99%
No-Points Loans
Close 7-15 days

Apply Now More Info

Build a portfolio of rental properties to maximize your passive income

Rates start at 6%
No-Points Loans
DSCR from 0.75x

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We understand the Maryland market because we actively lend in it. Every day without capital is a deal slipping away. That’s why we’ve built our lending model around speed, certainty, and execution. Our goal is to get you to the closing table in days, not weeks.

Maryland market moves fast. Baltimore and Montgomery County are seeing strong investor competition, with properties going under contract in days and inventory staying tight across the state. With demand consistently outpacing supply and competition fierce on every deal, hesitation isn’t a strategy. Whether you’re flipping a rowhome in Federal Hill, acquiring a multifamily property in Silver Spring, or breaking ground on a new build in Bethesda, we know these markets, and we fund in them.

Accolend is a direct lender. Decisions are made internally, communication is clear, and execution is consistent from application through closing. Because every step is handled in-house, approvals move quickly, so you never lose a deal to delays. Our underwriting team evaluates the true value of your project rather than running it through a rigid checklist, meaning every deal gets the thoughtful, case-by-case consideration it deserves.

What sets us apart:

Speed & Certainty: We can close in as quickly as 7-15 business days, thanks to our in-house underwriting and funding.
No-points Loan Programs: Keep your capital at closing. Use more resources for renovations, acquisitions, or portfolio growth.
Investor-Focused Underwriting: We assess each deal by looking at the asset, the strategy, and the potential gains. This way, we bring real-world investment insight to every loan decision.

With over $950 million funded across 1450+ deals nationwide, we’ve built the kind of experience that only comes from years of active lending. In Maryland, we’ve financed historic rowhouse renovations in Baltimore, value-add multifamily properties in Montgomery County, and ground-up construction across the state. That track record isn’t just a number. It reflects the thousands of investment scenarios we’ve navigated and the problems we’ve solved for Maryland investors at every stage.

Our underwriting team looks at leverage, renovation needs, and market liquidity to structure loans that fit real investment timelines and exit plans. Many of our borrowers return to us for multiple projects because consistent execution builds trust, and trust builds portfolios.

Funding is just one part of a successful investment. Every Maryland borrower works with a dedicated lending team that provides hands-on guidance through underwriting requirements, draw processes, and closing timelines. We support execution from initial quote through funding and ongoing servicing, ensuring clarity at every stage of the investment lifecycle.

Whether you’re a first-time flipper in Baltimore or an experienced developer breaking ground in Bethesda, our team understands the nuances of Maryland’s real estate landscape. Our loan portal lets you track progress in real time, securely upload documents, and stay informed throughout the process, so you always know exactly where your deal stands.

Because we lend across 40 states, we have the capital reserves and institutional backing to fund your Maryland deal with certainty, even in a volatile market. That scale means we can move quickly and handle projects of any size, from a single rowhouse flip in Baltimore to a large-scale multifamily development in Montgomery County, without hesitation.

We’ve built deep familiarity with Maryland’s regulatory landscape and market conditions, so nothing about your deal catches us off guard. Our financial stability ensures we remain a reliable partner through any market cycle, not just the favorable ones. Our national reach only strengthens the local focus and expertise we bring to every Maryland investor we work with.

Hard Money Loans in Maryland

Maryland’s real estate market offers diverse opportunities, from historic rowhouse flips in Baltimore City to cash-flowing multifamily units in Prince George’s County. Competition across the state is fierce, meaning capital speed is often the difference between closing a deal and losing it. Savvy investors are targeting value-add opportunities, turning overlooked properties into high-performing assets.

A hard money loan is a short-term financing tool secured by real estate. Unlike conventional mortgages that focus heavily on credit score and income, hard money loans are asset-based, making them faster to approve and close, often within 7-15 business days. At Accolend, our in-house underwriting and investor-focused approach allows us to structure financing efficiently around real estate assets and investment strategy. With same-day term sheets and instant pre-approvals, we keep you ready to move the moment the right Maryland deal surfaces.

If you’re ready to take advantage of what Maryland has to offer, get started with a free consultation today.

Close in as few as 7 days with a direct lender who knows the market.

Apply Now

Fix and Flip loans in Maryland

Fix and Flip loans are built for investors who need to purchase and renovate properties quickly. Accolend funds both the acquisition and the rehab, giving you the leverage to maximize your capital and scale your portfolio. Maryland is rich with fix and flip opportunities, from Baltimore’s rowhouse corridors to suburban neighborhoods in Anne Arundel and Howard Counties where updated homes consistently command strong resale prices. Our fast-closing loans mean less time waiting and more time rehabbing, so you can get your property back on the market while demand is still hot.

Leverage: Up to 85% of purchase price and up to 100% of rehab costs
Rates: Starting at 9.99% with no points
Timeline: Close in 7-15 business days

Bridge loans in Maryland

Bridge loans provide the short-term capital needed to bridge a gap in financing. They are perfect for acquiring a new Maryland property before selling an existing one, stabilizing an asset before securing long-term financing, or acting quickly on a time-sensitive deal in a competitive market. With instant pre-approvals and same-day term sheets, Accolend ensures you have the certainty and speed to move before the window closes.

Leverage: Up to 75% of purchase price
Rates: Starting at 9.99% with no points
Timeline: Close in 7-15 business days

Construction loans in Maryland

Designed for builders and developers, our ground-up construction loans provide financing for land acquisition and construction across Maryland’s growing submarkets, from infill lots in Baltimore City to new residential developments in Howard and Frederick Counties. We understand the complexities of building from scratch, including navigating municipal permitting, managing draw schedules, and keeping projects on budget through every phase.

Our draw process is structured to keep your project moving forward without unnecessary delays. This product is ideal for experienced developers looking to build single-family, multifamily, or mixed-use properties across one of the Mid-Atlantic’s most active development markets.

Leverage: Up to 65% of land purchase and up to 100% of construction costs
Rates: Starting at 9.99% with no points
Timeline: Close in 7-15 business days

DSCR loans in Maryland

Rental property loans let you qualify based on the property’s cash flow alone, with no personal income verification required. That means your portfolio’s growth isn’t limited by your W-2 or tax returns, just by the strength of the deals you find. Whether you’re acquiring a new rental property or refinancing an existing one, Accolend structures the loan around what the property earns. With rental demand running strong in commuter corridors like Rockville, Silver Spring, and College Park, Maryland’s buy-and-hold market continues to reward investors who can move with certainty and speed.

Leverage: Up to 80% LTV on purchases
DSCR Minimum: As low as 0.75x
Rates: Starting at 6% with no points

Fix and Flip purchase loan funded for a multifamily property in North Plainfield NJ with $415k loan and $43k construction budget

Fix and Flip | Purchase North Plainfield, NJ Property Type: Multifamily Loan amount: $415,000 Construction Budget: $43,000

Fix and Flip refinance loan funded for a condo in Brooklyn NY with $4M loan and $220k construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Condo Loan amount: $4,000,000 Construction Budget: $220,000

Fix and Flip purchase loan funded for a single family home in Philadelphia PA with $115k loan and $45k construction budget

Fix and Flip | Purchase Philadelphia, PA Property Type: Single Family Residence Loan amount: $115,000 Construction Budget: $45,000

Ground-Up refinance loan funded for a single family home in Westport CT with $2.1M loan and $1.5M construction budget

Ground-Up | Refinance Westport, CT Property Type: Single Family Residence Loan amount: $2,100,000 Construction Budget: $1,500,000

Fix and Flip purchase loan funded for a mixed-use property in Trenton NJ with $530k loan and $315k construction budget

Fix and Flip | Purchase Trenton, NJ Property Type: Mixed-use Loan amount: $530,000 Construction Budget: $315,000

Bridge purchase loan funded for a single family home in Maplewood NJ with $412k loan for 2-unit property

Bridge Loan | Purchase Maplewood, NJ Property Type: Single Family Residence Loan amount: $412,000 Unit Count: 2

Fix and Flip purchase loan funded for a triplex in Jacksonville FL with $290k loan and $123k construction budget

Fix and Flip | Purchase Jacksonville, FL Property Type: Triplex Loan amount: $290,000 Construction Budget: $123,000

Fix and Flip purchase loan funded for a multifamily property in New Brunswick NJ with $920k loan and $310k construction budget

Fix and Flip | Purchase New Brunswick, NJ Property Type: Multifamily Loan amount: $920,000 Construction Budget: $310,000

Bridge purchase loan funded for a multifamily property in Orange NJ with $1.6M loan for 11-unit building

Bridge Loan | Purchase Orange, NJ Property Type: Multifamily Loan amount: $1,600,000 Unit Count: 11

Rental cashout loan funded for a mixed-use property in Pemberton NJ with $605k loan for 6-unit property

Rental | Cashout Pemberton, NJ Property Type: Mixed-use Loan amount: $605,000 Unit Count: 6

Ground-Up purchase loan funded for townhouses in Ridgefield NJ with $3M loan and $2.115M construction budget

Ground-Up | Purchase Ridgefield, NJ Property Type: Townhouses Loan amount: $3,000,000 Construction Budget: $2,115,000

Ground-Up cashout loan funded for a duplex in Irvington NJ with $465k loan and $407k construction budget

Ground-Up | Cashout Irvington, NJ Property Type: Duplex Loan amount: $465,000 Construction Budget: $407,000

Fix and Flip refinance loan funded for a multifamily property in Brooklyn NY with $2.675M loan and $2.25M construction budget

Fix and Flip | Refinance Brooklyn, NY Property Type: Multifamily Loan amount: $2,675,000 Construction Budget: $2,250,000

Ground-Up purchase loan funded for a condo in Jersey City NJ with $850k construction budget

Ground-Up | Purchase Jersey City, NJ Property Type: Condo Loan amount: $338,000 Construction Budget: $850,000

Rental cashout loan funded for a single family home in Jersey City NJ with $437k loan and DSCR 1.08

Rental | Cashout Jersey City, NJ Property Type: Single Family Residence Loan amount: $437,000 DSCR: 1.08

Accolend funded Ground-Up purchase loan for a single family home in Short Hills NJ with $2.37M loan and $1.4M construction budget

Ground-Up | Purchase Short Hills, NJ Property Type: Single Loan amount: $2,375,000 Construction Budget: $1,400,000

Fix and Flip purchase loan funded for a condo in Medford MA with $965k loan and $240k construction budget

Fix and Flip | Purchase Medford, MA Property Type: Condo Loan amount: $965,000 Construction Budget: $240,000

Ground-Up purchase loan funded for a single family home in Columbus OH with $250k loan and $250k construction budget

Ground-Up | Purchase Columbus, OH Property Type: Single Loan amount: $250,000 Construction Budget: $250,000

Accolend funded Fix and Flip cash-out loan for a single family home in Riverview FL with $245k loan and $85k construction budget

Fix and Flip | Cashout Riverview, FL Property Type: Single Loan amount: $245,000 Construction Budget: $85,000

Fix and Flip purchase loan funded for a single family home in Commack NY with $980k loan and $250k construction budget

Fix and Flip | Purchase Commack, NY Property Type: Single Loan amount: $980,000 Construction Budget: $250,000

Bridge loan funded for a 23-unit multifamily property in Newark NJ with $2M loan

Bridge Loan | Purchase Newark, NJ Property Type: Multifamily Loan amount: $2,000,000 Unit Count: 23

Fix and Flip purchase loan funded for a single family home in Northridge CA with $990k loan and $400k construction budget

Fix and Flip | Purchase Northridge, CA Property Type: Single Loan amount: $990,000 Construction Budget: $400,000

Accolend funded Fix and Flip cash-out loan for a mixed-use property in Newark NJ with $5M loan and $1.1M construction budget

Fix and Flip | Cashout Newark, NJ Property Type: Mixed-use Loan amount: $5,000,000 Construction Budget: $1,100,000

Bridge cash-out loan funded for a 36-unit mixed-use property in Jersey City NJ with $8.6M loan

Bridge Loan | Cashout Jersey City, NJ Property Type: Mixed-use Loan amount: $8,600,000 Unit Count: 36

Accolend funded Fix and Flip loan for single family home in New Windsor NY with $330k loan and $90k construction budget

Fix and Flip | Purchase New Windsor, NY Property Type: Single Family Residence Loan amount: $330,000 Construction Budget: $90,000

Accolend funded Bridge loan for multifamily property in Irvington NJ with $2.83M loan for 18-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $2,830,000 Unit Count: 18

Accolend funded Ground-Up cashout loan for single family home in San Clemente CA with $2.7M loan & $2.06M construction budget

Ground-Up | Cashout San Clemente, CA Property Type: Single Family Residence Loan amount: $2,700,000 Construction Budget: $2,060,000

Accolend funded rental cashout loan for single family home in Monroe NY with $300k loan and DSCR 1.25

Rental | Cashout Monroe, NY Property Type: Single Family Residence Loan amount: $300,000 DSCR: 1.25

Fix and Flip loan funded for single family home in Westfield NJ with $1.05M loan and $380k construction budget

Fix and Flip | Purchase Westfield, NJ Property Type: Single Family Residence Loan amount: $1,050,000 Construction Budget: $380,000

Bridge loan funded for multifamily property in Irvington NJ with $3.08M loan for 19-unit apartment building

Bridge Loan | Purchase Irvington, NJ Property Type: Multifamily Loan amount: $3,080,000 Unit Count: 19

Ground-Up cashout loan funded for single family home in Philadelphia PA with $1.43M loan and $1.26M construction budget

Ground-Up | Cashout Philadelphia, PA Property Type: Single Family Residence Loan amount: $1,430,000 Construction Budget: $1,256,000

Rental cashout loan funded for single family home in Dallas TX with $165k loan and DSCR 1.12

Rental | Cashout Dallas, TX Property Type: Single Family Residence Loan amount: $165,000 DSCR: 1.12

Fix and Flip loan funded for single family home in Union NJ with $410k loan and $70k construction budget

Fix and Flip | Purchase Union, NJ Property Type: Single Family Residence Loan amount: $410,000 Construction Budget: $70,000

Fix and Flip loan funded for single family home in Los Angeles CA with $2,000,000 loan and $600,000 construction budget

Fix and Flip | Purchase Los Angeles, CA Property Type: Single Family Residence Loan amount: $2,000,000 Construction Budget: $600,000

Fix and Flip loan funded for single family home in Lafayette LA with $150,000 loan and $131,000 construction budget

Fix and Flip | Cashout Lafayette, LA Property Type: Single Family Residence Loan amount: $150,000 Construction Budget: $131,000

Fix and Flip loan funded for single family home in Millburn NJ with $1,100,000 loan and $450,000 construction budget

Fix and Flip | Purchase Millburn, NJ Property Type: Single Family Residence Loan amount: $1,100,000 Construction Budget: $450,000

Fix and Flip cashout loan funded for mixed-use property in Bronx NY with $5,950,000 loan and $5,600,000 construction budget

Fix and Flip | Cashout Bronx, NY Property Type: Mixed-use Loan amount: $5,950,000 Construction Budget: $5,600,000

Fix and Flip loan funded for single family home in Montclair NJ with $2,800,000 loan and $825,000 construction budget

Fix and Flip | Purchase Montclair, NJ Property Type: Single Family Residence Loan amount: $2,800,000 Construction Budget: $825,000

Bridge loan funded for multifamily property in East Orange NJ with $4,700,000 loan for 25-unit building

Bridge Loan | Refinance East Orange, NJ Property Type: Multifamily Loan amount: $4,700,000 Unit Count: 25

Bridge loan funded for single family home in Dix Hills NJ with $565,000 loan and no points

Bridge Loan | Purchase Dix Hills, NJ Property Type: Single Family Residence Loan amount: $565,000 No points

Ground-Up cashout loan funded for single family home in Long Island NY with $1,830,000 loan and $1,500,000 construction budget

Ground-Up | Cashout Long Island, NY Property Type: Single Family Residence Loan amount: $1,830,000 Construction Budget: $1,500,000

Rental purchase loan funded for single family home in Newark NJ with $275,000 loan and DSCR 1.13

Rental | Purchase Newark, NJ Property Type: Single Family Residence Loan amount: $275,000 DSCR: 1.13

Simple, Straightforward Requirements

Accolend’s approval process is built around the asset, not the borrower’s financial profile. That means no W-2s, no tax returns, and no debt-to-income calculations standing between you and a decision. We close in days, not weeks, because we’ve eliminated the hurdles that slow traditional lenders down.

Eligibility is primarily asset-based. Here’s what you generally need:

Minimum FICO Score: 620 for most loan programs, 650 for ground-up construction
Investment Experience: No prior experience required for Fix and Flip or DSCR loans. Ground-up construction loans require at least one completed new construction project
Background Check: A clean background check with no recent felony convictions or major financial misconduct
Loan Amounts: We lend between $115,000 and $8,000,000 depending on the loan program and market
Property Requirements: Property must be a non-owner-occupied investment property located in an eligible Maryland market. Rural properties are not eligible

We don’t require income verification or tax returns. Your deal’s potential is what matters most.

Minimal Paperwork for a Streamlined Process

We keep paperwork minimal to ensure a fast and efficient process. While each deal is unique, the required documents typically include:

Personal Information Documents
- Driver’s License
- 2 Months Bank Statement
- Proof of Experience, if applicable
- Social Security Card
Property Information
- Purchase Contract
- Scope of Work
- Property & Liability Insurance
- Title Commitment
LLC Information
- Formation Document
- EIN
- Operating Agreement
- LLC Resolution

Our team will provide a clear checklist tailored to your specific loan, ensuring a smooth path to closing.

Competitive Rates

We are a direct lender backed by institutional capital. With a low cost of capital, we pass the savings on to our clients, helping to protect their profit margins.

Fast Service

All processing, underwriting, and closing are handled in-house by our team members. This enables us to fully control and expedite the process to meet our clients' timelines.

Certainty of Execution

As a Direct Lender and Asset Manager, we have complete control over the underwriting process and our strategic direction. Our funding sources are diversified and have proven reliable across various market cycles.

No Points

We launched our signature no-points programs in 2016. Since then, they have saved our borrowers millions of dollars, and allowed our broker partners to better compete.

Your next investment starts here.
Secure funding for your next investment.

Apply in minutes

You provide us with the application, including property and deal information.

We send you the proposed terms of our loan, outlined in a term sheet that includes all relevant expenses and documentation requirements.

Our underwriting team sets up your loan on our website portal to ensure a smooth documentation submission process. We coordinate with vendors such as appraisal and inspection companies, title, insurance, and legal counsel to facilitate seamless communication.

We work with you, your legal counsel, and the title company to schedule a closing date. On the closing date, we review all executed documents from your lawyer or the title company/closing agent and wire the funds.

You reach out to our draw manager with your draw request. A property inspection will be scheduled to verify completed work, and upon satisfactory completion and review, we will fund the draw. Our closing agent will wire the funds per draw request.

Our servicing team will assist you with extension and/or payoff requests. Extension approval requires 30 days of advance notice and the completion of an extension application/closing agent and wiring of funds.

Where we lend

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TOP 10 STATES WHERE WE LEND

New Jersey

New York

Pennsylvania

Connecticut

Georgia

Massachusetts

Maryland

California

Florida

Washington

Where we lend

Coming Soon

Yes, Accolend is a direct hard money lender in Maryland. This means we use our own capital and have an in-house underwriting team, giving you a faster, more reliable closing process without middlemen.

We can close hard money loans in as few as 7-15 business days once we have a complete application and appraisal. Our goal is to get you funded as quickly as possible.

Yes, we do offer no-points loans in Maryland. Our popular no-points loan programs help investors save thousands in upfront costs, allowing you to keep more capital available for renovations and other project expenses.

Yes, we exclusively lend to business entities such as LLCs and corporations in Maryland.

Absolutely, we work with Maryland brokers. We value our broker partners and offer a seamless process to help you get your clients’ deals funded quickly. We protect our brokers, and they love our no-points loan programs.

No, our hard money loan programs are asset-based. We focus on the value and potential of the real estate asset, not your personal income or tax returns.

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