Hard Money Lenders in Baltimore, Maryland

By admin, Hard Money Lenders IO

Hard Money Lenders in Maryland

Baltimore is the biggest city in Maryland and has a thriving real estate market. Many neighborhoods in Baltimore are selling rapidly and on the market for very few days, including Hampden, Locust Point, and Federal Hill. It is the epicenter of Maryland, known for its huge biomedical employer in Johns Hopkins University and a place where proximity to Washington D.C. has led to significant growth in real estate.

Although the city’s population has been declining in recent years, and the city has a poor reputation in much of the media, the average annual salary of the city is still higher than the national average and the median household income is high compared to the rest of the country. The life sciences, IT, healthcare, and manufacturing are still rapidly growing employers within the region. Originally a working-class industrial town, Baltimore has changed significantly since its origins. It is a growing hub for immigrants and young professionals.

To invest in real estate in Baltimore, an investor may benefit from hard money loans. Hard money loans are known as bridge loans or last resort loans, but Baltimore is a very strong renters’ market where homes sell incredibly quickly. As such, the biggest advantage of hard money loans in fast, hard cash is integral in the Baltimore market.

Hard money loans have fast approval speeds given the fact they’re less regulated than traditional loans. Hard money loans can be approved in a couple of days, while traditional mortgage loans from banks often require a month at least to get approved. This speed of approval is integral to competitive markets like Baltimore.

These loans have high interest rates, short repayment periods, and low LTV ratios. They can be advantageous but have plenty of advantages as well. They may require larger down payments than traditional loans, and the hard money lender uses the property as collateral rather than the borrower’s credit. If the borrower defaults on the loan, the borrower collects the property, which means hard money lenders often look for whether the property can pay off the hard money loan.

They are often used to fund fix and flip projects, construction projects, distressed home repairs, and long-term rentals. In Baltimore, using hard money loans to fund long-term rentals can be very profitable, especially for distressed and foreclosed properties in gentrifying areas.

But not every hard money lender can be trusted. Some tack on extraneous fees like origination fees and closing costs, and new investors, in particular, can be vulnerable to untrustworthy lenders because many hard money lenders require a successful track record of successful investments.

At Hard Money Lenders IO, we have you covered. These are some of the best hard money lenders in Baltimore that you can trust to secure the property of your dreams. 

Hard Money Lenders IO

The team at Hard Money Lenders IO have been lending on investment properties to real estate investors. Every member of our team is dedicated to providing the clients we serve with fast, affordable financing solutions so that they can have access to the funding they need. Hard Money Lenders IO has adjustable guidelines and customized lending programs for borrowers.

Loan Amounts from
100K to 5M+

Rates starting at

Speedy Closing
Close in Days!


LendingOne is a private money lender, specializing in the financing of non-owner occupied residential investment properties. Lending One provides Mortgage Brokers and Real Estate Investors with a fast and cost effective funding source for their real estate investment needs.

LendingOne uses our own capital, an easy online application and our extensive real estate experience to provide quick and reliable funding for our clients.

Our Loan Programs include:

Fix & Flip
Buy & Hold
Rate & Term
Cash Out Refinance
Bridge Financing
Wholesale Lending

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