DSCR Loans in Maryland
Maryland's proximity to D.C., strong government-driven economy, and Baltimore's affordable multifamily market create diverse DSCR investment options.
MARKET OVERVIEW
Maryland DSCR Loan Market
Maryland straddles two distinct markets: the D.C. suburbs with high rents and strong government/contractor employment, and Baltimore with affordable multifamily properties and cash-flow potential. The D.C.-adjacent suburbs (Silver Spring, Columbia, Bethesda) command premium rents from the massive federal workforce. Baltimore offers some of the most affordable multifamily properties on the East Coast, though neighborhood selection is critical. Maryland's property taxes are moderate at 1.05%. The state's economy is anchored by federal government, defense, healthcare (Johns Hopkins), and biotech, providing diverse and stable employment.
Top Investor Cities
- Baltimore
- Silver Spring
- Columbia
Monthly tax on $410,000 property: $359/mo
PROGRAMS AVAILABLE IN MARYLAND
8 DSCR Loan Programs for Maryland Investors
Standard DSCR
The most popular option. 20% down, 660+ credit.
No-Ratio DSCR
No minimum DSCR required. 30% down.
Interest-Only DSCR
Lower monthly payments for better cash flow.
STR DSCR
Use projected Airbnb/VRBO income to qualify.
Foreign National DSCR
No SSN or US credit history required.
Bank Statement DSCR
Hybrid qualification for self-employed investors.
Portfolio DSCR
Finance multiple properties under one loan.
Bridge-to-DSCR
Purchase, rehab, then refinance into DSCR.
REQUIREMENTS
DSCR Loan Requirements in Maryland
Licensing & Regulatory
Loans in Maryland are originated by [Broker D], NMLS# [XXXXXX], licensed in Maryland.
All lending decisions and terms are determined solely by the matched broker and their wholesale lending partners.
Common Property Types
- Small Multifamily (2-4 Units)
- Single-Family Rentals
- Condos/Townhomes
Down Payment & LTV
- Standard DSCR: 20% minimum down (80% LTV)
- No-Ratio DSCR: 30% minimum down (70% LTV)
- 30%+ down unlocks No-Ratio DSCR programs and broader lender access
Appraisal & Rent Schedule
- Form 1007 rent schedule required with appraisal
- Appraisal estimates market rent for DSCR calculation
- STR properties: AirDNA projected income accepted
DEAL EXAMPLE
Sample DSCR Deal in Baltimore, Maryland
Duplex
Baltimore, Maryland
Monthly Breakdown
This borrower closed in 25 days with no income verification, no tax returns, and no employment check.
Results may vary. This is a representative example, not a guarantee of future performance.
This deal example is for illustrative purposes only and is based on representative scenarios across our broker network. Actual loan terms, approval, and closing depend on your full credit profile, property details, appraisal, and the matched lender's specific guidelines. This is not a loan offer or commitment to lend.
FREQUENTLY ASKED
DSCR Loan Questions for Maryland Investors
DSCR loans in Maryland require a minimum 660 credit score, 20% minimum down payment, and non-owner-occupied status. No income docs or tax returns needed. Baltimore properties require careful neighborhood analysis for accurate rent comps.
Rates start from 5.99% for 740+ FICO with 35%+ down. Most Maryland investors see rates between 6.50% and 7.75%. D.C. suburban properties often receive competitive pricing.
Yes. Maryland's Eastern Shore, Ocean City, and Deep Creek Lake are popular STR markets. Baltimore and D.C. suburbs serve business travelers. Our STR DSCR program uses projected income to qualify. Check local regulations in specific jurisdictions.
Maryland's effective property tax rate is approximately 1.05%. On a $275,000 duplex, that's about $241/month. Tax rates vary by county. Baltimore City has higher rates than suburban counties. The key is factoring the actual county rate into your DSCR calculation.
Yes. DSCR loans have no owner-occupancy requirement. Maryland attracts investors from the broader D.C. metro area and beyond. Professional property management is widely available in both Baltimore and the D.C. suburbs.
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Match Me With a SpecialistLoans in Maryland are originated by [Broker D], NMLS# [XXXXXX], licensed in Maryland. is not affiliated with DSCRBroker.com except as a participating broker in our matching network. All lending decisions and terms are determined solely by the matched broker and their wholesale lending partners.