Skip to content
UNITEDLENDING

Investment property loans · Baltimore County, MD

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

Towson is the Baltimore County seat and home to Towson University, Goucher College and several hospitals, so investors can weigh rentals for students and staff against resale rehabs. Much of the housing dates from the 1920s to the 1950s, from James Keelty's brick rows in Rodgers Forge to the revival-style houses of Stoneleigh and Anneslie, which points most plans toward renovating existing homes rather than building new ones.

Get my termsCompare loans
  • No credit pull to start
  • About a minute
  • A loan officer calls you

Where investors buy

Neighborhoods investors look at in Towson

James Keelty began the red brick rowhouses of Rodgers Forge in 1934 and his sons finished the neighborhood by 1956. Stoneleigh and Anneslie, both laid out in 1922, filled in over the following decades with Tudor Revival, Colonial Revival, Cape Cod, bungalow and foursquare houses.
Rodgers ForgeJust north of the Baltimore city line and south of Towson University, this National Register district is a suburban rowhouse development of red brick rows built from 1934 to 1956, along with some apartments, single-family homes and newer townhomes.
StoneleighFirst laid out in 1922 and enlarged in 1954, it mixes Tudor, Colonial, French and Spanish Mission Revival and Craftsman houses with infill built as late as the mid-1980s.
AnneslieA small street grid just north of the city line, with 1920s and 1930s bungalows and foursquares on its northern blocks and Cape Cods, Tudors and Colonials farther south, mostly built out by the 1950s.
West Towson and Southland HillsSubdivisions carved from an old farm beginning in the mid-1920s, giving a mix of prewar and later single-family houses west of the town center.

Loan programs

Loans for Towson 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 Towson

30-year loans for Towson 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 Towson

Buy and renovate in Towson 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 Towson

Close quickly on a Towson 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 Towson

Financing for new builds in Towson, 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 Towson

Financing for Towson 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 Towson

Local rules and costs that change a deal's numbers or closing date in Towson and Baltimore County. Sources are listed at the bottom of the page.
  • Budget for Baltimore County's 1.5% transfer tax and its recordation tax of $2.50 per $500 (0.5%), plus Maryland's 0.5% state transfer tax.
  • Plan for Maryland's lead law on any rental: units built before 1978, which covers nearly all of Rodgers Forge and much of Stoneleigh and Anneslie, 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 dust inspection at every tenant turnover.
  • Budget for a higher tax bill than the seller paid: Maryland's Homestead Tax Credit only covers an owner's principal residence and is not granted for the tax year after a sale, so plan on paying the full county rate on the assessed value.
  • Check title for a ground lease. Maryland requires holders of residential ground leases on properties with four or fewer units to register them with SDAT, so confirm the registration and the rent amount before settlement.

Get your terms

Have a Towson 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.
  • About a minute to fill in
  • No credit pull to start
  • A loan officer calls you back
  • Investment property only

Rather talk now? (718) 704-0499

Step 1 · About a minute in allNo credit pull

Your contact details

By pressing “Get my terms”, I agree that United Lending may contact me about this inquiry, and I accept the Terms of Use and Privacy Policy.

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 Towson: common questions

Do you offer hard money loans in Towson?

Yes. United Lending LLC offers private real estate financing for investors in Towson 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 Towson?

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 Rodgers Forge, Stoneleigh and Anneslie, among other parts of Towson.

How much can I borrow for a Towson 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 Towson?

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 Towson 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. Maryland Real Property Sec. 8-704 (ground lease registration with SDAT)
  8. Wikipedia, Towson, Maryland
  9. Wikipedia, Rodgers Forge, Maryland
  10. Wikipedia, Stoneleigh Historic District
  11. Wikipedia, Anneslie Historic District