Investment property financing built for Maryland
Maryland packs an unusually stable, institution-backed commercial-property market into a compact footprint, and New City Financial helps investors move on it fast. We provide business-purpose financing on Maryland rental, multifamily, and commercial real estate across the state’s distinct submarkets — Montgomery County and the I-270 corridor, Prince George’s County and National Harbor, and Anne Arundel County around Annapolis and BWI. We fund deals on the strength of the property, not a stack of personal paperwork.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit how Maryland investors actually operate: self-employed and portfolio buyers, LLC-titled property, and out-of-state capital chasing the durable, government- and institution-backed tenancy that defines the Washington, D.C. corridor. Whether you’re acquiring a rental in Rockville, refinancing an apartment building in Prince George’s County, or pulling cash out of a D.C.-area portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Maryland investors
Every New City Financial program is available on qualifying Maryland investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Maryland
We lend on business-purpose investment and commercial real estate across Maryland — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Maryland investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Maryland? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Maryland commercial loan FAQs
Does New City Financial lend on investment property in Maryland?
Yes. We finance business-purpose investment and commercial real estate throughout Maryland — from Montgomery and Prince George’s counties to Anne Arundel, Howard, and Frederick. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Maryland commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required. That’s a strong fit for Maryland’s many self-employed and out-of-state investors.
What credit score do I need for a DSCR loan in Maryland?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a loan-to-value of up to 75%, a strong Maryland asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Maryland?
Most Maryland files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — an edge in the competitive Washington, D.C. corridor.
What loan-to-value can I get on Maryland investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Do you finance property in the D.C. suburbs?
Yes. We’re active across the Maryland suburbs of Washington — Montgomery, Prince George’s, Anne Arundel, and Howard counties — financing multifamily, retail, office, and industrial. Owner-occupied commercial space is eligible; primary residences are not.
Financing your Maryland deal with New City Financial
New City Financial provides business-purpose financing on Maryland investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.