DSCR Loans in Anne Arundel County, Maryland
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 164 lenders made 642 investment-property loans in Anne Arundel County, 6.6% of Maryland's total. Dominick Prevete arranges DSCR loans across Anne Arundel County, Maryland, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $380,000.
Anne Arundel County investor market at a glance
| Statistic | Anne Arundel County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 642 | 9,728 | 5th of 15 |
| Reporting lenders | 164 | 412 | 5th of 15 |
| Loan volume | $228.2M | $2.59B | 5th of 15 |
| Average loan | $355K | $266K | 2nd of 15 |
| Median loan | $295K | $225K | 3rd of 15 |
| Purchases | 66.0% | 56.1% | 3rd of 15 |
| Cash-out refinances | 20.1% | 20.9% | 8th of 15 |
| 2–4 unit properties | 3.6% | 7.2% | 9th of 15 |
| Top five lenders' share | 24.0% | 24.7% | 11th of 15 |
| Reported business-purpose | 64.8% | 75.0% | 12th of 15 |
Anne Arundel County: closed-end loans on 1–4 unit investment properties. Anne Arundel County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Anne Arundel County's investor loans.
What stands out in Anne Arundel County
The average investor loan in Anne Arundel County was $355K, the 2nd-highest average of Maryland's 15 counties with published data (statewide: $266K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
66.0% of Anne Arundel County's investor loans were purchases, the 3rd-highest share of Maryland's 15 counties with published data (statewide: 56.1%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
Does a DSCR loan pencil in Anne Arundel County?
At HUD's fair market rent of $2,509 for a 3-bedroom in Anne Arundel County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $380,000, with 20% down at the 7.25% starting rate (November 2026). Anne Arundel County's median home value is $467,900; at that price the payment is $3,078 a month, so the property would need $3,100 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,006 / $2,509 / $2,789 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $467,900 |
| Median property taxes and effective rate | $3,957 (0.85% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $3,078 |
| Rent needed to cover that payment | $3,100 |
| Coverage of a 3-bedroom at fair market rent | 0.82 |
| Highest price a 3-bedroom at fair market rent covers | about $380,000 |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Anne Arundel County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Anne Arundel County?
The most active investment-property lenders in Anne Arundel County in 2025 HMDA data were RF RENOVO MANAGEMENT COMPANY, LLC; Rocket Mortgage, LLC; and UNITED SHORE FINANCIAL SERVICES, LLC, out of 164 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including one that reported in Anne Arundel County, and matches each file to the one most likely to fund it.
Anne Arundel County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 642 loans and $228.2M from 164 lenders. RF RENOVO MANAGEMENT COMPANY, LLC led Anne Arundel County with 45 loans, 7.0% of the county's total, and the average Anne Arundel County loan of $355K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| RF RENOVO MANAGEMENT COMPANY, LLC | 45 | $13.9M | $308K | 86.7% |
| Rocket Mortgage, LLC | 37 | $9.3M | $252K | 40.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 34 | $10.0M | $294K | 70.6% |
| Kiavi Funding, Inc. | 21 | $7.3M | $349K | 90.5% |
| FIRST HOME MORTGAGE CORPORATION | 17 | $4.4M | $256K | 94.1% |
| Loan Funder LLC | 15 | $5.2M | $347K | 53.3% |
| Towne Bank | 14 | $3.9M | $279K | 85.7% |
| THE LOAN STORE, INC. | 13 | $4.2M | $320K | 76.9% |
| DOMINION FINANCIAL SERVICES, LLC | 12 | $5.4M | $448K | 58.3% |
| OCMBC, INC. | 12 | $3.5M | $296K | 50.0% |
| NFM, INC. | 12 | $3.1M | $257K | 83.3% |
| PENNYMAC LOAN SERVICES, LLC | 11 | $3.1M | $282K | 63.6% |
| City Lending Inc. | 11 | $2.2M | $203K | 90.9% |
| Hometown Equity Mortgage, LLC | 10 | $2.4M | $238K | 30.0% |
| Shore United Bank, N.A. | 9 | $9.7M | $1075K | 77.8% |
| CROSSCOUNTRY MORTGAGE, INC. | 9 | $3.6M | $398K | 88.9% |
| NEWREZ LLC | 9 | $3.0M | $336K | 55.6% |
| Prosperity Home Mortgage, LLC | 9 | $2.8M | $311K | 66.7% |
| Atlantic Union Bank | 9 | $2.7M | $295K | 88.9% |
| GUARANTEED RATE, INC. | 8 | $3.1M | $384K | 75.0% |
| HOMEXPRESS MORTGAGE CORP. | 7 | $2.9M | $418K | 28.6% |
| Fairway Independent Mortgage Corporation | 7 | $2.4M | $345K | 100.0% |
| Navy Federal Credit Union | 7 | $1.9M | $272K | 57.1% |
| FIDELITY DIRECT MORTGAGE, LLC | 7 | $1.8M | $258K | 85.7% |
| DAS Acquisition Company, LLC | 6 | $3.7M | $610K | 83.3% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Anne Arundel County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Anne Arundel County CSV, all 25 lenders
What Anne Arundel County's table can't show you: fit. Short-term financing is exempt from HMDA, so Anne Arundel County's fix-and-flip and bridge lenders barely appear among its 164 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including some on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Anne Arundel County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter an Anne Arundel County, Maryland property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Anne Arundel County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 164 lenders and 642 loans: 2025 HMDA loan-level data rolled up to Anne Arundel County.
- Anne Arundel County investor-lender dataset (CSV) — All 25 lenders in the Anne Arundel County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Anne Arundel County's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Baltimore-Columbia-Towson, MD MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Anne Arundel County's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.