Maryland DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Maryland (MD) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Maryland utilize Quasi-Judicial (Order to Docket / Power of Sale) security instruments, with an average non-homestead effective property tax rate of 1.05%, a median 1–4 unit investment home price of $415,000 (median rent $3,050/mo), and 5+ unit multifamily market rents averaging $1,750/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Quasi-Judicial (Order to Docket / Power of Sale)EFFECTIVE PROPERTY TAX
1.05% Avg ($363/mo)MEDIAN 1–4 UNIT PRICE & RENT
$415,000 · $3,050/mo5+ UNIT MULTIFAMILY RENT
$1,750/door/moMaryland Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine
Price/Door: $415,000·Loan/Door: $311,250·Avg Rent/Door: $3,050/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.22xCanonical:
122 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$311,25031,125,000 _cents
Monthly P&I Debt Service$1,993/mo@ 6.625% Note Rate
Total Monthly PITIA$2,501/moTax: $363 · Ins: $145
Net Monthly Cash Flow+$549/mo$6,583/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,501/mo | 1.22x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,553/mo | 1.19x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $2,324/mo | 1.31x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
Maryland Cities with Population ≥ 50,000 (5 Markets)
Click any Maryland city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (MD) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Baltimore, MD → | BALTIMORE CITY County County | 678,093 | 1.03% | $485,000 | $3,550/mo | $2,050/door |
| Frederick, MD → | FREDERICK County County | 72,913 | 0.97% | $380,000 | $2,800/mo | $1,625/door |
| Gaithersburg, MD → | MONTGOMERY County County | 71,602 | 1.05% | $400,000 | $2,950/mo | $1,675/door |
| Rockville, MD → | MONTGOMERY County County | 69,838 | 1.09% | $430,000 | $3,150/mo | $1,800/door |
| Bowie, MD → | PRINCE GEORGES County County | 61,867 | 0.99% | $385,000 | $2,850/mo | $1,625/door |