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Fix & Flip · Maryland

Fix & flip loans in Maryland — fund the deal, keep your cash.

Mortava fix & flip loans in Maryland: 620+ FICO, up to 95% LTC + 100% of rehab, 12–18 month terms — statewide.

Maryland is high rent-to-price ratios in Baltimore and steady DC-adjacent demand. Mortava funds flips statewide — up to 95% LTC plus 100% of rehab, draws within 24 hours, and 2-hour term sheets — so you can move fast on deals in Baltimore, Columbia, Silver Spring and beyond.

Up to 95% LTC + 100% of the rehab funded
Rehab draws reimbursed within 24 hours
First-time flippers welcome (620+) · close in 7–10 days
Send your Maryland project
2-hour term sheet · no hard credit pull.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why flippers finance Maryland projects with Mortava

In a market like Maryland, speed and leverage decide your margin. Mortava funds up to 95% of cost plus the full rehab, reimburses draws within 24 hours, and sends indicative term sheets in about two hours — so you can compete on Baltimore, Columbia, Silver Spring deals and recycle capital into the next project faster.

Baltimore’s rowhouse stock prices low against its rents, producing ratios DC investors cross the line for. Maryland pairs that yield story with steady federal-employment-adjacent demand.

Top metros we fund
Baltimore, Columbia, Silver Spring
Max leverage
Up to 95% LTC + 100% of rehab
Speed
Draws in 24h · close in 7–10 days · 2-hr term sheets
Terms
12–18 months · up to $5M · FICO 620+

BRRRR in Maryland

The same leverage that funds a Maryland flip funds the "buy and rehab" half of BRRRR. Renovate in Baltimore or Columbia, rent it, then refinance into a 30-year DSCR loan instead of selling — our BRRRR method guide covers the handoff.

Guidelines reviewed July 2026 by the Mortava lending team.

Maryland fix & flip loan FAQ

Can I get a fix and flip loan in Maryland?
Yes. Mortava funds fix & flip projects across Maryland, including Baltimore, Columbia, Silver Spring. We lend up to 95% of loan-to-cost plus 100% of the rehab budget, so you keep cash in the deal.
How much can I borrow on a Maryland flip?
Up to 95% of the purchase price (LTC) plus 100% of your rehab budget, capped at roughly 75% of the after-repair value (ARV). Loan amounts up to $5M in Maryland.
Do you fund first-time flippers in Maryland?
Yes — first-time flippers are welcome in Maryland with a 620+ FICO. Stronger credit and prior projects unlock higher leverage.
Do you fund flips in Baltimore and Columbia?
Yes — Baltimore, Columbia, Silver Spring and every other Maryland market. Leverage and pricing are driven by your experience, FICO, and the deal's numbers, not the zip code.
Can I BRRRR a Maryland property instead of selling it?
Yes. Many Maryland investors renovate with a Mortava flip loan in markets like Baltimore, rent the property, then refinance into a 30-year DSCR loan — the BRRRR playbook. We finance both stages.
Fix & flip loans by state
Flip in IndianaFlip in IowaFlip in KansasFlip in KentuckyFlip in LouisianaFlip in MaineFlip in MassachusettsFlip in MichiganFlip in MinnesotaFlip in MississippiFlip in MissouriFlip in Montana
All Fix & Flip programs → DSCR loans in Maryland → Instant quote & pre-qualify →
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