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Investment property loans · Prince George's County, MD

Hard money, fix and flip and DSCR loans in Bowie, MD

Much of Bowie's housing is in Belair at Bowie, the community Levitt and Sons built from 1957 to 1964, and investors update these houses for resale or keep them as rentals. Older houses in Old Town Bowie, the original railroad town, offer a different kind of project, and new townhouse and apartment plans along US 301 add newer stock. Every rental in the city needs a City of Bowie license plus state lead compliance for pre-1978 houses.

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Where investors buy

Neighborhoods investors look at in Bowie

Most of Bowie is the Levitt and Sons Belair at Bowie community, built between 1957 and 1964 on the old Belair estate around its 1740s mansion. Old Town Bowie keeps the older railroad-town fabric, and newer townhouse, apartment and condo communities are planned or under way along US 301.
Old Town Bowie (Huntington)The original railroad town that developer Ben Plumb laid out around the 1872 Bowie station, where Victorian houses filled tree-lined streets and the restored station buildings on Chestnut Avenue now house the Bowie Railroad Museum.
Belair at BowieThe Levitt and Sons community built from 1957 to 1964 on the former Belair estate, organized in sections whose street names share a first letter, and the largest part of modern Bowie.
South LakeA large mixed project at US 301 and MD 214 combining townhouses, detached houses, apartments and two-family condominiums with retail, office and hotel space.
Mill Branch CrossingA planned development at US 301 and Mill Branch Road pairing townhouses and apartments with retail and a hotel, still marked as future on the city's neighborhood map.

Loan programs

Loans for Bowie real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Bowie

30-year loans for Bowie rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Bowie

Buy and renovate in Bowie with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Bowie

Close quickly on a Bowie property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Bowie

Financing for new builds in Bowie, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Bowie

Financing for Bowie apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Bowie

Local rules and costs that change a deal's numbers or closing date in Bowie and Prince George's County. Sources are listed at the bottom of the page.
  • Budget for Prince George's County's 1.4% transfer tax and recordation tax of $2.75 per $500 (0.55%), plus Maryland's 0.5% state transfer tax.
  • Plan for a City of Bowie rental license before you lease: the city requires one for every rental situation, including single-family homes, townhouses, condos, basement units and short-term rentals, inspects rentals yearly, charges an annual fee, and will not issue the license until the unit passes inspection.
  • Plan for Maryland's lead law on Levitt-era rentals: rentals built before 1978, which includes the Levitt houses built from 1957 to 1964, must be registered with the Maryland Department of the Environment within 30 days of purchase, renewed by December 31 each year, and pass a lead inspection at every tenant turnover.
  • Budget for property taxes without the seller's Homestead Tax Credit: the credit only covers an owner's principal residence and is not granted for the tax year after a sale, so an investor's bill can be higher than the one the seller paid.

Get your terms

Have a Bowie property in mind?

Contact details first, then single-tap answers on the property, the amount and when you need to close. A loan officer phones you back with terms.
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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Bowie: common questions

Do you offer hard money loans in Bowie?

Yes. United Lending LLC offers private real estate financing for investors in Bowie and the rest of Prince George's County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Bowie?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in Old Town Bowie (Huntington), Belair at Bowie and South Lake, among other parts of Bowie.

How much can I borrow for a Bowie flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Bowie?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Bowie or have a Maryland LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Maryland, your loan officer will tell you what's needed before closing.

Maryland

More places we lend in Maryland

Sources (14)Checked November 9, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Bowie, Rental Housing Program
  2. City of Bowie, Maryland Lead Paint Law
  3. City of Bowie, Bowie History
  4. City of Bowie, Bowie Railroad Museum
  5. City of Bowie, Development Projects
  6. City of Bowie, Neighborhoods Map (PDF)
  7. Department of Legislative Services, County Tax Rates FY 2022 to FY 2027
  8. Maryland Tax-Property Sec. 12-103 (county recordation tax per $500)
  9. Maryland Tax-Property Sec. 13-203 (state transfer tax 0.5%)
  10. Maryland Environment Sec. 6-801 (pre-1978 rental units are affected property)
  11. Maryland Environment Sec. 6-812 (register within 30 days, renew annually)
  12. Maryland Environment Sec. 6-815 (inspection at each change in occupancy)
  13. Maryland Tax-Property Sec. 9-105 (Homestead Tax Credit)
  14. Wikipedia, Bowie, Maryland