DSCR Loans in Maryland: Compare 14 Lenders Instantly

Maryland provides DSCR investors with access to the affluent Washington DC suburbs and the Baltimore metro, two distinct markets with very different investment profiles. Property taxes are at the national average at 1.00%, and insurance costs are moderate at 0.64%, creating a workable PITIA structure for DSCR calculations in both metros.

The DC-adjacent counties of Montgomery and Prince George offer premium rental rates driven by government contractor and federal employee tenants, though property prices are high. Baltimore provides dramatically more affordable entry points with strong cash flow potential, particularly in neighborhoods experiencing revitalization. The state also has growing markets in Frederick and the Annapolis area.

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Lender Availability

14 lenders offer DSCR loans in Maryland

ACAcra LendingAOAngel OakCVCoreVestDHDeephavenESEasy StreetGFGriffin FundingKVKiaviLSLendSureLOLima OneNSNew SilverNWNewfi WholesaleRCRCN CapitalRORoc CapitalVLVisio Lending

Maryland Property Costs

Property Tax Rate1.00%
Insurance Rate0.64%

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MD
25%LTV 75%
15%50%
Interest Only
Short-Term Rental

Frequently Asked Questions

Should I invest in the DC suburbs or Baltimore for DSCR deals?
It depends on your investment strategy. DC suburbs (Montgomery County, PG County) offer stability and premium rents but require more capital and produce tighter DSCR margins. Baltimore offers significantly lower entry prices and potentially stronger DSCR ratios, but with more variability in tenant quality and neighborhood dynamics.
What are the DSCR loan requirements in Maryland?
Maryland DSCR lenders follow standard national guidelines: minimum 660 credit score, 20-25% down payment, and DSCR ratio of 1.10 to 1.25. The state has no additional licensing restrictions on DSCR lending, giving investors access to the full range of national lenders.
How does Baltimore compare to other markets for DSCR cash flow?
Baltimore offers some of the strongest rent-to-price ratios on the East Coast, making it possible to achieve DSCR ratios well above lender minimums. The city's median home prices are a fraction of DC-area prices while rents remain relatively strong, creating excellent cash flow dynamics for DSCR investors.

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