COMMERCIAL PROPERTY · Maryland (MD) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Maryland Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office) — 2026 Rates, LTV Caps & State Rules

Maryland Commercial Property provide business-purpose real estate investors with Up to 75% LTV across loan amounts from $100,000 – $15,000,000+ at 6.875% – 8.99% (25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE, 660+ FICO min FICO, 21 – 30 Business Days close). In Maryland (MD), lenders underwrite to a Quasi-Judicial (Order to Docket / Power of Sale) statutory framework (120–170 days-day average timeline), a 1.05% average property tax rate (~$363/mo at the $415,000 state median), and $490/$100K hazard insurance (~$169/mo).

Max Leverage / LTC
Up to 75% LTV
Min FICO: 660+ FICO
2026 Rate Band
6.875% – 8.99%
25–30 Yr Amortization, 5/7/10 Yr Fixed or 30-Yr Non-QM CRE
MD Security Instrument
Quasi-Judicial (Order to Docket / Power of Sale)
120–170 days days avg timeline
MD Avg Tax & Ins
1.05% Tax
$490/$100K Hazard Ins

Maryland County-Level Property Tax & Insurance Hubs (3)

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Maryland Commercial Property (2026) — Up to 75% LTV, 6.875% – 8.99% | Stephen R. Mannenbach | Stephen Mannenbach