DSCR Loans in Baltimore County, Maryland
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
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In 2025 HMDA data, 193 lenders made 1,345 investment-property loans in Baltimore County, 13.8% of Maryland's total. Dominick Prevete arranges DSCR loans across Baltimore 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 $370,000.
Baltimore County investor market at a glance
| Statistic | Baltimore County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 1,345 | 9,728 | 2nd of 15 |
| Reporting lenders | 193 | 412 | 2nd of 15 |
| Loan volume | $338.1M | $2.59B | 3rd of 15 |
| Average loan | $251K | $266K | 11th of 15 |
| Median loan | $225K | $225K | 10th of 15 |
| Purchases | 63.4% | 56.1% | 8th of 15 |
| Cash-out refinances | 17.6% | 20.9% | 11th of 15 |
| 2–4 unit properties | 4.2% | 7.2% | 8th of 15 |
| Top five lenders' share | 26.6% | 24.7% | 9th of 15 |
| Reported business-purpose | 70.1% | 75.0% | 7th of 15 |
Baltimore County: closed-end loans on 1–4 unit investment properties. Baltimore County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Baltimore County's investor loans.
What stands out in Baltimore County
Baltimore County's 1,345 investor loans ranked 2nd of Maryland's 15 counties with published data.
Does a DSCR loan pencil in Baltimore County?
At HUD's fair market rent of $2,509 for a 3-bedroom in Baltimore County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $370,000, with 20% down at the 7.25% starting rate (November 2026). Baltimore County's median home value is $349,300; at that price the payment is $2,363 a month, so the property would need $2,375 in rent to cover it.
At that price, the rent covers the full payment, which is the test a standard DSCR loan qualifies on.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $2,006 / $2,509 / $2,789 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $349,300 |
| Median property taxes and effective rate | $3,736 (1.07% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,363 |
| Rent needed to cover that payment | $2,375 |
| Coverage of a 3-bedroom at fair market rent | 1.06 |
| Highest price a 3-bedroom at fair market rent covers | about $370,000 |
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 Baltimore County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Baltimore County?
The most active investment-property lenders in Baltimore County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and LENNAR MORTGAGE, LLC, out of 193 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 two that reported in Baltimore County, and matches each file to the one most likely to fund it.
Baltimore County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,345 loans and $338.1M from 193 lenders. Kiavi Funding, Inc. led Baltimore County with 86 loans, 6.4% of the county's total, and the average Baltimore County loan of $251K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 86 | $22.3M | $259K | 72.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 82 | $20.1M | $245K | 53.7% |
| LENNAR MORTGAGE, LLC | 69 | $23.3M | $338K | 100.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 62 | $15.4M | $249K | 62.9% |
| DOMINION FINANCIAL SERVICES, LLC | 59 | $16.2M | $274K | 52.5% |
| OCMBC, INC. | 52 | $13.7M | $263K | 53.8% |
| Rocket Mortgage, LLC | 52 | $10.3M | $198K | 55.8% |
| CV3 FINANCIAL SERVICES, LLC | 40 | $8.5M | $213K | 62.5% |
| Loan Funder LLC | 25 | $6.3M | $252K | 76.0% |
| NEWREZ LLC | 23 | $5.2M | $228K | 56.5% |
| NFM, INC. | 22 | $4.8M | $219K | 63.6% |
| Commerce Home Mortgage, Inc. | 22 | $4.7M | $215K | 50.0% |
| LENDINGONE, LLC | 21 | $4.6M | $218K | 33.3% |
| HOMEXPRESS MORTGAGE CORP. | 20 | $6.3M | $318K | 45.0% |
| BPL MORTGAGE TRUST, LLC | 20 | $4.4M | $222K | 20.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 19 | $4.1M | $218K | 42.1% |
| FEDERATED MORTGAGE CORP. | 17 | $4.8M | $281K | 52.9% |
| CHAMPIONS FUNDING, LLC | 16 | $4.2M | $259K | 50.0% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 16 | $3.6M | $224K | 62.5% |
| THE LOAN STORE, INC. | 16 | $3.1M | $196K | 75.0% |
| DIRECT MORTGAGE LOANS, LLC | 15 | $3.4M | $228K | 86.7% |
| City Lending Inc. | 15 | $2.5M | $168K | 93.3% |
| AMERICAN HERITAGE LENDING, LLC | 14 | $3.3M | $235K | 7.1% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 13 | $3.7M | $282K | 46.2% |
| FIDELITY DIRECT MORTGAGE, LLC | 12 | $2.8M | $235K | 50.0% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Baltimore County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Baltimore County CSV, all 25 lenders
What Baltimore County's table can't show you: fit. Short-term financing is exempt from HMDA, so Baltimore County's fix-and-flip and bridge lenders barely appear among its 193 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 Baltimore County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Baltimore 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 — Baltimore County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 193 lenders and 1,345 loans: 2025 HMDA loan-level data rolled up to Baltimore County.
- Baltimore County investor-lender dataset (CSV) — All 25 lenders in the Baltimore County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Baltimore 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 — Baltimore 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.