FIX & FLIP LOANS · Maryland (MD) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Maryland Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Maryland Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 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 90% Purchase + 100% Rehab (75% ARV Cap)
Min FICO: 620 – 660+ FICO
2026 Rate Band
9.25% – 11.25% Interest-Only
12 – 18 Months Interest-Only (No Prepayment Penalty)
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)

Baltimore City, MD
Baltimore City, MD · 2.24% Tax · $650/$100K Ins
Montgomery County, MD
Montgomery County, MD · 1.04% Tax · $540/$100K Ins
Prince George's County, MD
Prince George's County, MD · 1.38% Tax · $560/$100K Ins

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Maryland Fix & Flip Loans (2026) — Up to 90% Purchase + 100% Rehab (75% ARV Cap), 9.25% – 11.25% Interest-Only | Stephen R. Mannenbach | Stephen Mannenbach