DSCR Loans, Maryland
Maryland is a three-market state for serious DSCR investors: the Baltimore cash-flow and block-by-block flip ecosystem, the DC commuter premium corridor in Montgomery and Prince George's counties, and the Eastern Shore vacation rental market anchored by Ocean City. Pinnacle Funding Network finances DSCR loans across all 23 Maryland counties plus Baltimore City. No tax returns, 20% down, and a same-day written term sheet on every property.
Published by Pinnacle Funding Network | Updated May 2026
Maryland is one of the most internally diverse DSCR investing environments in the Mid-Atlantic. The state runs as three structurally different markets in a single jurisdiction. Baltimore City and Baltimore County operate as a cash-flow DSCR and block-by-block flip ecosystem anchored by Johns Hopkins, the University of Maryland Medical System, the Port of Baltimore, the Aberdeen Proving Ground tenant base to the north, and a deep historic rowhouse stock that supports both renovation strategies and 2-4 unit conversions. The DC commuter corridor through Montgomery County and Prince George's County operates as a premium federal-employment bedroom community, with rent profiles that follow the GS pay scale and tenant absorption tied to NIH, the National Naval Medical Center at Walter Reed Bethesda, NIST in Gaithersburg, the FDA campus in Silver Spring and White Oak, and the broad federal contractor ecosystem. The Eastern Shore runs as a seasonal vacation rental market centered on Ocean City and Berlin, plus the Chesapeake Bay shoreline, plus the Bethany Beach Delaware-adjacent corridor. Each of these three Maryland sub-economies underwrites differently and requires different program awareness.
Pinnacle Funding Network is a DSCR-specialist lender that closes Maryland deals across this entire spectrum. DSCR is the lead product, with fix and flip across Baltimore and the inner-ring suburbs, BRRRR concentrated in the Baltimore renovation corridors, bridge financing for Maryland tax-sale and foreclosure auction buys, ground-up new construction in the suburban growth rings, Eastern Shore STR DSCR with AirDNA qualifying, foreign national for the international buyer flows into DC-adjacent property, and self-employed solutions all available through one relationship. This page exists to give serious Maryland investors everything they need to underwrite Pinnacle as a capital partner across every Maryland market, in one place.
Maryland has five structural realities that make DSCR work, and the serious investor matches strategy to submarket rather than treating the state as a single environment.
1. The DC commuter premium economy. Montgomery County and Prince George's County run as bedroom communities for Washington, DC. The tenant base is heavily federal employment (NIH, FDA, NSA at Fort Meade, the broader federal civilian workforce, military officers stationed in the National Capital Region, the federal contractor ecosystem). The rent profile follows the GS pay scale, which is structurally stable through political cycles and supports long-term tenant absorption with low vacancy. Premium pricing in Bethesda, Chevy Chase, Rockville, Silver Spring, Takoma Park, Bowie, and Upper Marlboro; cash-flow pricing in Hyattsville, Adelphi, Riverdale, Forestville, Suitland, and parts of College Park.
2. Baltimore City and County cash-flow plus block-by-block flip ecosystem. Baltimore has one of the most active block-by-block fix and flip markets in the country and a deep cash-flow DSCR layer underneath it. The Patterson Park, Brewers Hill, Highlandtown, Hampden, Remington, Charles Village, Federal Hill, and Locust Point corridors run as premium-tier renovation markets. The Druid Heights, Reservoir Hill, Sandtown-Winchester transitional, and Penn North renovation corridors run as deep-value rehab markets where the math works on Baltimore's distinctive historic rowhouse stock. The University of Maryland Medical System and Johns Hopkins both anchor a healthcare tenant base measured in tens of thousands of workers.
3. Eastern Shore vacation rental concentration. Ocean City is the Mid-Atlantic's dominant family-beach vacation market. Berlin, Bethany Beach (Delaware-adjacent on the Maryland border), the Chesapeake Bay shoreline (St. Michael's, Tilghman Island, Oxford), and Deep Creek Lake in Western Maryland all support real STR DSCR programs. Ocean City summer-season weekly rentals run materially higher than typical East Coast STR ADR, supporting AirDNA-qualified DSCR holds even with the September-through-May seasonal drag.
4. Naval Academy and Fort Meade tenant base. Anne Arundel County, between Baltimore and DC, anchors an Annapolis premium market driven by the United States Naval Academy and the broader Annapolis professional and political ecosystem, plus a substantial Fort Meade tenant base (Fort Meade hosts the NSA, US Cyber Command, the Defense Information Systems Agency, plus active-duty Army, Navy, and Marine personnel and civilian contractors). Glen Burnie, Pasadena, Severna Park, and Crofton all sit in the Fort Meade commuter ring.
5. Strong school-district pricing in Howard County. Howard County (Columbia, Ellicott City, Clarksville, Fulton) carries top-quartile school districts and a tenant base that includes the federal civilian workforce commuting both north to Baltimore and south to DC, plus the IT and consulting employer base in Columbia. School-district demand supports premium rent profiles and stable exit pricing on flip and BRRRR strategies. Frederick County to the west and Carroll County to the north add additional school-district exurbs.
Pinnacle Funding Network's Maryland DSCR programs are sized for the actual Maryland investor across all 23 counties plus Baltimore City.
| Parameter | Details |
|---|---|
| Available Markets | Statewide, all 23 Maryland counties plus Baltimore City |
| Property Types | SFR, 2-4 unit, condo, townhome, 5+ unit, STR/vacation rental (where ordinance permits) |
| Loan Range | $55,000 to $5,000,000 |
| LTV (purchase) | Up to 80% |
| LTV (cash-out refi) | Up to 75% |
| DSCR Minimum | 1.00x for top pricing; programs to 0.75x available |
| Credit Score | 660+ minimum, best pricing at 720+ |
| Income Documentation | None required |
| STR Qualifying | AirDNA-eligible plus actual booking history (Ocean City and Eastern Shore concentrations) |
| Foreign National Qualifying | Available, asset-based, no US credit required |
| Close Time | 14 to 21 business days standard |
| Rate Range (May 2026) | ~7.00% to 8.50% on 30-year fixed |
| Term Options | 30-year fixed, 5/1, 7/1, 10/1 ARM |
| Origination | 1 to 2 points typical |
Maryland is multi-economy. Each submarket suits different strategies. Pinnacle has financed deals across all of these.
The cash-flow DSCR and block-by-block flip ecosystem. Strong DSCR submarkets in Patterson Park, Brewers Hill, Highlandtown, Hampden, Remington, Charles Village, Federal Hill, Locust Point, Canton, Fells Point, and Mount Vernon. Renovation and BRRRR submarkets in Reservoir Hill, Druid Heights, Sandtown-Winchester transitional, Penn North, and parts of West Baltimore where block-level discipline matters. Johns Hopkins and University of Maryland Medical System tenant base supports the healthcare-worker rental layer. Baltimore city page →
Typical SFR / rowhouse purchase: $185K-$345K (cash-flow corridors) / $395K-$725K (premium renovation submarkets like Federal Hill, Canton, Locust Point). Typical monthly rent: $1,500-$2,200 (cash flow) / $2,400-$3,200 (premium). Typical DSCR (80% LTV): 1.05-1.30x (cash flow) / 0.90-1.10x (premium).
The premium DC commuter DSCR market. Bethesda, Chevy Chase, Potomac, Rockville, North Bethesda, Silver Spring, Kensington, Takoma Park, Gaithersburg, Germantown. Federal employment tenant base (NIH, FDA, NIST, NRC), federal contractor ecosystem (Lockheed Martin, Booz Allen Hamilton, Marriott HQ, Leidos), top-quartile schools. Premium pricing carries premium rent but rent-to-price math compresses against the salary-driven tenant base.
Typical SFR purchase: $625K-$1.4M (Bethesda) / $475K-$725K (Rockville) / $425K-$625K (Silver Spring). Typical monthly rent: $3,400-$5,800 (Bethesda) / $2,800-$3,800 (Rockville) / $2,400-$3,200 (Silver Spring). Typical DSCR (80% LTV): 0.80-1.00x. Sub-1.0 DSCR programs frequently used.
The cash-flow side of the DC commuter corridor. College Park (University of Maryland), Hyattsville, Adelphi, Riverdale, Mount Rainier (DC-adjacent), Bowie, Largo, Upper Marlboro, the National Harbor corridor, Forestville, Suitland. Federal employment tenant base, broad immigrant tenant absorption (substantial Salvadoran, Nigerian, Ethiopian, and Caribbean populations), University of Maryland student rental layer in College Park.
Typical SFR purchase: $325K-$525K. Typical monthly rent: $2,200-$3,000. Typical DSCR (80% LTV): 1.00-1.20x.
The school-district DSCR market between Baltimore and DC. Columbia (one of the most planned communities in the country), Ellicott City, Clarksville, Fulton, Elkridge, Laurel-adjacent. Top-quartile schools support premium rent profiles. Federal civilian workforce commutes both directions (north to Baltimore, south to DC and Fort Meade). Tech and consulting employer concentration in the Columbia core.
Typical SFR purchase: $475K-$725K. Typical monthly rent: $2,800-$3,800. Typical DSCR (80% LTV): 0.90-1.10x.
The Naval Academy and Fort Meade economy. Annapolis carries a premium professional and political tenant base anchored by the United States Naval Academy, the State of Maryland government complex, and the legal and lobbying ecosystem around the capitol. Glen Burnie, Pasadena, Severna Park, Crofton, Odenton, and the Fort Meade ring run as cash-flow Fort Meade commuter submarkets. The Annapolis downtown waterfront condo market is its own premium segment.
Typical SFR purchase: $445K-$725K (Annapolis core) / $345K-$525K (Fort Meade ring). Typical monthly rent: $2,600-$3,800 (Annapolis) / $2,200-$2,900 (Fort Meade ring). Typical DSCR (80% LTV): 0.90-1.15x.
The Mid-Atlantic family-beach STR concentration. Ocean City proper, Berlin, the Bethany Beach Delaware-adjacent corridor, and the Chesapeake Bay shoreline (St. Michael's, Tilghman Island, Oxford, Easton). Summer-season weekly rentals run materially higher than typical East Coast STR ADR. Worcester County and Wicomico County STR ordinance varies; Ocean City has its own municipal STR licensing regime. AirDNA-qualified DSCR is the standard qualifying path.
Typical Ocean City STR purchase: $385K-$895K (oceanblock SFR) / $245K-$485K (mid-town and bayside condo). Typical STR ADR (peak summer): $385-$895. Typical occupancy (seasonal-weighted annual): 35-55 percent. Best for: STR-focused investors using AirDNA-based DSCR qualification.
The Frederick exurb plus the Hagerstown and Cumberland cash-flow submarkets. Frederick is the largest Western Maryland metro, with a growing biotech and federal contractor presence, plus exurban commuter demand both to DC and to Baltimore. Hagerstown and Cumberland offer lower entry pricing with manufacturing and logistics tenant bases. Deep Creek Lake (Garrett County) is a real mountain-STR submarket worth its own underwriting.
Typical Frederick SFR purchase: $385K-$525K. Typical Hagerstown / Cumberland SFR purchase: $145K-$235K. Typical Deep Creek Lake STR purchase: $385K-$725K. Typical DSCR (80% LTV): 0.95-1.30x depending on submarket.
Pinnacle Funding Network finances investment properties in all 23 Maryland counties plus Baltimore City. Geographic breakdown:
Baltimore Metro: Baltimore City (all neighborhoods), Baltimore County (Towson, Catonsville, Pikesville, Owings Mills, Cockeysville, Parkville, Dundalk, Essex), plus the Harford County (Aberdeen, Bel Air) and Carroll County (Westminster) ring.
DC Commuter Corridor: Montgomery County (Bethesda, Chevy Chase, Potomac, Rockville, North Bethesda, Silver Spring, Kensington, Takoma Park, Gaithersburg, Germantown, Olney, Wheaton), Prince George's County (College Park, Hyattsville, Adelphi, Riverdale, Mount Rainier, Bowie, Largo, Upper Marlboro, National Harbor, Forestville, Suitland, District Heights), Howard County (Columbia, Ellicott City, Clarksville, Fulton, Elkridge).
Anne Arundel County: Annapolis, Glen Burnie, Pasadena, Severna Park, Crofton, Odenton, Linthicum, Brooklyn Park, Edgewater.
Eastern Shore: Ocean City, Berlin, Salisbury, Easton, St. Michael's, Tilghman Island, Oxford, Cambridge, Chestertown, the Bay Bridge corridor.
Western Maryland: Frederick, Hagerstown, Cumberland, Frostburg, Deep Creek Lake, Westminster, Mount Airy, Damascus.
Southern Maryland: Waldorf, La Plata (Charles County), Lexington Park (St. Mary's County, Naval Air Station Patuxent River tenant base), Prince Frederick, Calvert County waterfront.
Two representative DSCR deal structures across different Maryland markets. Specific terms are quoted on the actual deal at application.
Example 1: Baltimore Patterson Park renovated rowhouse DSCR purchase.
3BR/2BA rowhouse, fully renovated 2024, Patterson Park (Baltimore City). Purchase $295,000. 80 percent LTV loan = $236,000 at 7.50 percent fixed 30-year. P&I $1,650/month. Property tax (Baltimore City, full assessed value, no Homestead Tax Credit on investment property) $415. Insurance $135. HOA $0. Total PITIA $2,200. Market rent supported by appraisal: $2,400. DSCR = $2,400 / $2,200 = 1.09x. Qualifies at top pricing with positive monthly cash flow of $200.
Patterson Park is the textbook Baltimore DSCR play: a renovated rowhouse at a price point the Johns Hopkins healthcare-worker tenant base can support, with Baltimore City's tax burden absorbed by the rent profile. Most renovated rowhouses in the Patterson Park / Brewers Hill / Highlandtown corridor produce DSCR ratios in the 1.05 to 1.25 band at 80 percent LTV.
Example 2: Bethesda DC-commuter DSCR purchase showing the rent-to-price compression.
4BR/2.5BA SFR, 2,250 sqft, built 1965 (updated), downtown Bethesda (Montgomery County). Purchase $895,000. 80 percent LTV loan = $716,000 at 7.50 percent fixed 30-year. P&I $5,005/month. Property tax (Montgomery County) $745. Insurance $245. HOA $0. Total PITIA $5,995. Market rent supported by appraisal: $5,200. DSCR = $5,200 / $5,995 = 0.87x.
This is the central Bethesda underwriting reality: rent that would qualify a much smaller property as 1.10x in Patterson Park lands at 0.87x in Bethesda because price has run ahead of rent at the premium DC commuter price points. Three paths. Path A: drop to 65 percent LTV ($581,750 loan, P&I drops to $4,067, total PITIA $5,057, DSCR rises to 1.03x and qualifies at top pricing). Path B: stay at 80 percent LTV with sub-1.0 DSCR program at 0.85 minimum with a 0.25 to 0.50 percent rate adjustment. Path C: pivot the same dollar to two Patterson Park or Hyattsville rowhouses where rent-to-price math runs cleaner. Many Maryland investors run barbell portfolios that include both Bethesda for the appreciation and Baltimore for the cash flow.
Maryland has a real Residential Transition Loan market, concentrated in Baltimore City, the inner-ring Baltimore County suburbs, parts of Prince George's County, and the Eastern Shore vacation rental ground-up segment. Pinnacle covers the full RTL spectrum statewide through the same relationship that handles DSCR.
Where flips work in Maryland. Baltimore flip activity is among the deepest in any East Coast city. Patterson Park, Brewers Hill, Highlandtown, Hampden, Remington, Federal Hill, Locust Point, Canton, Fells Point, and Mount Vernon all support premium renovation work. Reservoir Hill, Druid Heights, Sandtown-Winchester transitional, Penn North, and the Pigtown / Washington Village corridors support deep-value rehab. Block-by-block discipline matters more in Baltimore than in most US cities; the same street can have a $400K finished rowhouse and a $40K boarded-up rowhouse 200 yards apart. Suburban flips concentrate in Glen Burnie, Dundalk, Essex, parts of Catonsville and Brooklyn Park, plus parts of Forestville and Capitol Heights in Prince George's.
Loan-to-Cost up to 90%. Pinnacle finances up to 90 percent of purchase plus 100 percent of approved rehab on standard programs. Experienced flippers (3+ completed projects in 24 months) can access 92.5 percent LTC. First-time flippers typically start at 85 percent LTC, still with 100 percent rehab.
Loan-to-ARV cap at 75%. Total loan (purchase plus rehab) is capped at 75 percent of After-Repair Value.
Interest-only during rehab, no prepayment penalty.
Term 12 to 24 months. Standard term is 12 months with optional extensions. Most Maryland flips exit in 5 to 7 months from close to resale, slightly longer than the national average given Baltimore's historic-rowhouse renovation complexity.
BRRRR mechanics. Maryland's strongest BRRRR market is Baltimore: the renovation cycle on a Patterson Park, Brewers Hill, or Highlandtown rowhouse produces a stabilized property with a clear DSCR exit path. The DSCR refinance pulls cash out, redeploys it on the next acquisition, and converts one rehab cycle into a permanent income-producing asset. Baltimore block-by-block discipline carries into the BRRRR rent assumption: comp the actual block, not the neighborhood average.
Bridge financing. Short-term financing for properties that don't fit a standard purchase or refinance window. Useful for buying at Maryland tax-sale and foreclosure auctions (Baltimore City, Baltimore County, and Prince George's County are the most active), closing on inherited property, or holding while longer-term financing is arranged. 6 to 24 month terms.
Ground-up new construction. Single-family infill construction and small multi-family up to 8 units. Loan-to-Cost up to 85 percent, 100 percent of construction budget financed in scheduled draws, 12 to 24 month terms. Maryland new construction concentrates in the Frederick County exurb growth corridor, the Howard County school-district ring, the Anne Arundel / Fort Meade growth ring, the Charles County and Calvert County suburban exurbs of Southern Maryland, and the Bowie / Upper Marlboro growth ring in Prince George's. Eastern Shore ground-up construction supports vacation rental product near Ocean City and Berlin.
Beyond DSCR and the RTL spectrum, Pinnacle Funding Network handles the remaining Maryland investor product set through the same relationship.
STR / Airbnb DSCR (Eastern Shore concentration). Ocean City, Berlin, the Bethany Beach corridor, the Chesapeake Bay shoreline, and Deep Creek Lake all support STR DSCR. AirDNA-qualified for properties with short or absent booking history. Always verify the local ordinance and HOA covenants on every address.
Foreign national programs. Montgomery County and Prince George's County both run substantial international buyer flows (Indian, Chinese, Korean, Ethiopian, Nigerian, Salvadoran). Pinnacle's foreign national DSCR programs require no US credit history and accept asset-based qualification. Rates carry a 0.50 to 1.00 percent premium and LTV is typically 5 to 10 percent tighter.
Self-employed programs. Self-employed investors qualify the same property-cash-flow path as W-2 borrowers (DSCR programs do not require personal income documentation). For non-DSCR scenarios, bank statement programs are available.
Maryland private money and hard money is the broader non-bank investor financing layer that prices on the deal rather than the borrower's W-2. DSCR is one product inside that umbrella, but Maryland investors also use bridge capital for Baltimore tax-sale auction buys, fix-and-flip rehab money in Baltimore rowhouse renovation, and ground-up construction money in the Eastern Shore vacation rental segment.
The Maryland private money landscape breaks into the same four working categories used in every major US market. Bridge (3 to 24 months, 9.5 to 12.5 percent interest-only, 60 to 75 percent LTV, used for auction buys and short-term holds). Fix-and-flip (6 to 18 months, 10 to 12 percent interest-only, 85 percent LTC plus 100 percent rehab capped at 75 percent ARV). Ground-up construction (12 to 24 months, 10.5 to 13 percent interest-only, 75 to 85 percent LTC with scheduled draws). Transactional and specialty (1 to 3 day double-closing money at 1.5 to 3 points flat fee).
The structural difference between private money and DSCR in Maryland is term length and qualification basis. Private money is short-term capital qualifying on asset value and exit plan; DSCR is a 30-year fixed loan qualifying on long-term rental cash flow. Most active Maryland investors use both: private money to acquire and stabilize a Baltimore rowhouse rehab or an Ocean City vacation rental, then DSCR to hold and harvest cash flow. Get your Maryland private money quote here.
Maryland has operational realities that shape every investment property loan. The investors who close cleanly are the ones who plan around these from day one.
State recordation tax plus county transfer tax. Maryland levies a state recordation tax on deeds and a county-level transfer tax on top. Combined burden varies by county (Baltimore City and Baltimore County are at the higher end; some smaller counties carry lower burden). Closing-statement preparation requires careful attention; build the cost into the closing-cost model on every Maryland transaction.
Baltimore City property tax structure. Baltimore City carries the highest effective property tax rate in the state, materially higher than Baltimore County or the DC commuter counties. The Homestead Tax Credit does not apply to investment property, so the full assessed value flows through. Investors underwriting Baltimore City rowhouses should model the full tax bill rather than using the owner-occupied homestead-protected figure that appears on Zillow or similar listing data.
Hurricane and coastal storm exposure on the Eastern Shore. Ocean City and the broader Eastern Shore carry meaningful hurricane and coastal storm exposure. Insurance binders may require windstorm and flood components separate from standard hazard coverage. Budget $1,800-$4,500 annually for typical Eastern Shore SFR; oceanfront properties run higher. Hurricane season is June 1 through November 30; closings during peak season (typically September) may face binder-pause windows.
Condo lending realities post-Surfside. Maryland condo financing requires project review on the association: reserves, owner-occupancy ratio, litigation status, special assessment history. Older Ocean City condo buildings, older Baltimore harbor-front buildings (Inner Harbor, Federal Hill Towers), and older Bethesda and Silver Spring high-rises may require additional documentation. Pinnacle pre-screens condos at the LOI stage.
Baltimore block-by-block variation. Baltimore real estate is famously variable at the block level. The same census tract can include a $475K renovated Patterson Park rowhouse and a $35K vacant Druid Heights shell. The underwriting on a Baltimore deal must comp to the actual block rather than to neighborhood averages, and the appraisal must support the value with within-block comparables.
DC commuter rent-to-price compression in premium Montgomery. Bethesda, Chevy Chase, Potomac, and parts of Rockville run as premium pricing where rent has not kept pace with appreciation. The DSCR math at premium Montgomery price points typically requires sub-1.0 DSCR program qualification or LTV reduction. Factor honestly from the LOI stage.
Source-of-income protections in Baltimore and Montgomery. Baltimore City, Montgomery County, and a growing number of Maryland jurisdictions prohibit source-of-income discrimination, including Housing Choice Voucher (Section 8) recipients. This affects tenant-screening practices and lease structure. The DSCR loan itself is not affected; it's an operational consideration for the hold.
Title and recording variation. Baltimore City and Baltimore County run typical East Coast pace. Montgomery and Prince George's run at typical Mid-Atlantic pace. Eastern Shore counties (Worcester, Wicomico, Somerset, Talbot, Queen Anne's) can run slightly slower in peak summer season. Build buffer accordingly.
DSCR-specialist programs across all 23 counties plus Baltimore City. Pinnacle's Maryland DSCR programs cover the full deal-size range, $55,000 to $5,000,000, in a single relationship. Statewide coverage with submarket-specific program awareness: the Baltimore cash-flow chassis, the DC commuter premium chassis, and the Eastern Shore STR chassis all underwrite cleanly here.
Tax-honest underwriting. Maryland's tax structure varies meaningfully by county and by jurisdiction within county. Pinnacle factors property tax, state recordation tax, and county transfer tax accurately from the LOI stage. This matters: a Baltimore City deal that looks like 1.10x on a national-average tax assumption may be 0.95x on the actual tax bill.
Eastern Shore STR depth. Pinnacle's STR DSCR programs handle Ocean City, Berlin, the Chesapeake Bay shoreline, and Deep Creek Lake properties using AirDNA-based qualification on the seasonality-weighted annual booking revenue rather than peak-season-only assumptions.
Lifecycle support. DSCR holds, fix and flip across Baltimore and the inner-ring suburbs, BRRRR in the Baltimore renovation corridors, ground-up new construction in the Frederick, Howard, and Anne Arundel growth rings, Eastern Shore STR DSCR, foreign national for the DC-corridor international buyer flows, self-employed solutions. The same broker handles your Patterson Park BRRRR, your Bethesda DSCR hold, your Ocean City STR refinance, and your Frederick exurb ground-up build.
Honest underwriting. Programs and pricing are quoted before application fees. Term sheet matches close terms. No bait-and-switch on rate, LTV, or DSCR threshold at the closing table.
Mortgage broker model with multiple lender relationships. Pinnacle is not a single-lender retail shop. We place loans across approximately ten institutional DSCR and RTL lenders, which means rate, term, and structure are matched to the deal rather than to a single product menu.
The fastest path from "I have a property under consideration" to "I have a term sheet" is the same-day quote. Submit the property address, purchase price, estimated rent (or AirDNA STR projection for Eastern Shore deals), and your target loan structure at pinnaclefundingnetwork.com/get-quote. We respond with a written term sheet (rate, points, LTV, DSCR threshold, term) typically inside one business day. No credit pull, no application fee, no obligation.
If the term sheet works, the next step is a formal application. From application to close runs 14 to 21 business days on standard files. Title work, appraisal, and the insurance binder all happen in parallel. Either way, fast enough to win deals across Maryland.
James Loffredo, Founder and Principal
Pinnacle Funding Network
214-846-8602
info@pinnaclefundingnetwork.com
pinnaclefundingnetwork.com
Pinnacle Funding Network is a mortgage broker. PFN does not make loans or credit decisions. Loans are originated through PFN's lending partners. Rates, terms, and programs are subject to change. All loan applications are subject to credit review, property appraisal, and underwriting approval. Rent ranges, DSCR estimates, and deal examples on this page are illustrative; actual deal terms depend on property-specific underwriting.