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Investment property loans · Baltimore County, MD

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

Catonsville grew along Frederick Road as a streetcar suburb on Baltimore's western border, and its housing runs from Victorian summer homes to bungalows and postwar subdivisions such as Westview Park. Investors buy older single-family houses to renovate and resell or to hold as rentals near UMBC and the CCBC Catonsville campus, while the 19th-century mill houses of neighboring Oella call for period-sensitive rehab work.

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Where investors buy

Neighborhoods investors look at in Catonsville

Old Catonsville mixes mid-1800s vernacular I-houses with Queen Anne, Bungalow, Colonial Revival, Dutch Colonial, Tudor Revival and Craftsman homes, many with detached garages finished to match. North of Baltimore National Pike, postwar subdivisions like Westview Park, built from 1955 to 1967, added large tracts of newer houses.
Old CatonsvilleA National Register district between Edmondson, Frederick, Melvin and Smithwood avenues, laid out with an electric railway and almost entirely residential, with houses from the mid-1800s through the early 20th century.
Summit ParkAn all-residential section of rectangular lots around The Summit, an 1850s Second Empire summer house, with homes built between 1869 and 1958 and the largest lots on Frederick Road and Newburg Avenue.
Winters LaneA historically African American neighborhood along Winters Lane between Frederick Road and Baltimore National Pike, built up between 1867 and the mid-1940s, mostly with single-family houses.
Westview ParkA large community north of Baltimore National Pike built in stages from 1955 to 1967, so every original house falls under Maryland's pre-1978 lead rules if rented.
OellaA mill village founded in 1808 on the Patapsco River between Catonsville and Ellicott City, with 19th-century workers' houses in stone, brick and frame, including a long brick row at its center.

Loan programs

Loans for Catonsville 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 Catonsville

30-year loans for Catonsville 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 Catonsville

Buy and renovate in Catonsville 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 Catonsville

Close quickly on a Catonsville 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 Catonsville

Financing for new builds in Catonsville, 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 Catonsville

Financing for Catonsville 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 Catonsville

Local rules and costs that change a deal's numbers or closing date in Catonsville and Baltimore County. Sources are listed at the bottom of the page.
  • Budget for Baltimore County's 1.5% transfer tax and recordation tax of $2.50 per $500 (0.5%) on top of Maryland's 0.5% state transfer tax.
  • Plan for lead compliance on rentals: Maryland treats rental units built before 1978 as affected property, which takes in Old Catonsville's older homes and all of Westview Park's original houses, so register each unit with the Maryland Department of the Environment within 30 days of buying, renew by December 31 every year, and pass a lead dust inspection at each tenant change.
  • Budget for taxes at full assessment: the Homestead Tax Credit applies only to an owner's principal residence and is not granted for the tax year after the house sells, so a seller's capped bill will not carry over to an investor.
  • Check FEMA flood maps for any house near the Patapsco River, which Oella sits on, before you set a rehab budget or insurance estimate.

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Have a Catonsville property in mind?

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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 Catonsville: common questions

Do you offer hard money loans in Catonsville?

Yes. United Lending LLC offers private real estate financing for investors in Catonsville and the rest of Baltimore 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 Catonsville?

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 Catonsville, Summit Park and Winters Lane, among other parts of Catonsville.

How much can I borrow for a Catonsville 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 Catonsville?

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 Catonsville 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 (11)Checked November 6, 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. Department of Legislative Services, County Tax Rates FY 2022 to FY 2027
  2. Maryland Tax-Property Sec. 13-203 (state transfer tax 0.5%)
  3. Maryland Environment Sec. 6-801 (pre-1978 rental units are affected property)
  4. Maryland Environment Sec. 6-812 (register within 30 days, renew annually)
  5. Maryland Environment Sec. 6-815 (risk reduction and inspection at each change in occupancy)
  6. Maryland Tax-Property Sec. 9-105 (Homestead Tax Credit)
  7. Wikipedia, Catonsville, Maryland
  8. Wikipedia, Old Catonsville Historic District
  9. Wikipedia, Central Catonsville and Summit Park Historic District
  10. Wikipedia, Winters Lane Historic District
  11. Wikipedia, Oella Historic District