All Programs and Guides on Investor Loans Maryland
Every guide on this site, one screen. Program pages carry the mechanics; market pages carry the local numbers and rules; all figures are dated and registry-verified.
Loan programs
- DSCR loans: qualify on the property's rent; no tax returns; LLC-friendly.
- Investor cash-out refinance: ordinary rules, the recordation line on the new loan, BRRRR seasoning.
- Short-term rental loans: Airbnb and vacation-rental financing with honest income-documentation lanes.
- LLC lending: close in the entity; due-on-sale rules; why Maryland has no series LLC; the $300 annual fee.
- Portfolio + 2–4 unit + foreign national: the 10-loan cap and the nonresident-sale withholding.
- Bank-statement loans: self-employed qualifying from deposits after an expense factor.
- 1031 replacement financing: closing inside the 45/180-day clocks.
Market guides
- Baltimore City: the low-basis rowhouse market, the tax gap, CHAP credits.
- Baltimore ground rent: the rowhouse trap and the Muskin correction.
- DC suburbs: Montgomery and Prince George's, high-cost conforming, rent stabilization.
Maryland reference
- STR rules by city: the seven-market status table, verified July 2026.
- Rent stabilization: who is covered, the current caps, and why Baltimore has none.
- Rental property taxes: no Homestead cap on rentals, the transfer/recordation stack, the piggyback income tax.
Mike Certo · NMLS #260555 · Cornerstone First Mortgage NMLS #173855 · Equal Housing Lender. Educational content, not a loan commitment and not legal or tax advice. City and county STR rules, tax figures, rent-stabilization caps, and filing fees change; verify current requirements with the jurisdiction, your CPA, or a Maryland real estate attorney before you buy. Loans are subject to buyer and property qualification.