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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Maryland DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Maryland investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Baltimore, Frederick, Rockville, Gaithersburg and the rest of Maryland. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best-tier from 5.80%
  • 21–30 day close

Indicative as of August 1, 2026. Not a quote. Lenders set final pricing at underwriting.

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Maryland?

Yes. DSCR loans in Maryland qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Governed best-tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated August 1, 2026.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Maryland Rental Market Snapshot

State-level data DSCR underwriters use to size Maryland rental deals.

Median Home Price
$395K
Statewide single-family
Gross Rental Yield
4.5–8.0%
Annual rent / price
Eviction Timeline
45–90 days
tenant-friendly
Rate Adjustment
+0.125%
vs national baseline

Maryland is a yield-dispersed DSCR market. Baltimore City row houses produce 10%+ gross yields with deep BRRRR inventory but slow eviction courts. Montgomery and PG Counties anchor premium DC-commuter LTR with new rent caps that affect underwriting. Frederick and Howard offer middle-ground cap rates with strong schools and growing demand.

Major Maryland Markets We Serve

Active DSCR deal flow across Maryland's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Baltimore$215K7.5–10.5%Largest MD market, wide yield range by neighborhood, deep row-house inventory
Frederick$445K5.0–6.0%Premium NW commuter market, strong schools, growing in-migration
Rockville$605K4.0–5.0%Montgomery County, new 6% rent cap, jumbo LTR pricing
Gaithersburg$525K4.0–5.0%Montgomery County, biotech employment, family LTR demand
Maryland investor note:Maryland has no statewide rent control, but Montgomery County (2023) and Prince George's County (2023) capped annual rent increases at CPI + 3% / 6% respectively. Baltimore City has no rent cap.

Maryland Eviction Timeline & Landlord Posture

How Maryland courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
tenant-friendly
Typical Timeline
45–90 days
Rent Control
None / preempted

Maryland requires a 10-day notice for non-payment. Failure-to-pay-rent process in district courts is among the most-used eviction filings in the country, but Baltimore City calendar delays push timelines past 60 days.

Maryland Rate Adjustment vs National Baseline

+0.125%over national baseline pricing

Montgomery/PG rent caps and Baltimore court calendar friction modestly increase lender loss severity assumptions.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best-tier floor 5.80% from rate-floors.json as of August 1, 2026.

DSCR Lenders Active in Maryland

The non-bank DSCR programs we see most frequently funding Maryland rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • CoreVest
  • LendingOne
  • Visio Lending
  • Kiavi

PeerSense is independent, not a lender. Lenders listed are programs we have funded Maryland deals through; specific terms vary by file.

Maryland DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Get Maryland DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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