DSCR Loans in Cecil County, Maryland
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 58 lenders made 124 investment-property loans in Cecil County, 1.3% of Maryland's total. Dominick Prevete arranges DSCR loans across Cecil 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 $330,000.
Cecil County investor market at a glance
| Statistic | Cecil County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 124 | 9,728 | 14th of 15 |
| Reporting lenders | 58 | 412 | 13th of 15 |
| Loan volume | $35.7M | $2.59B | 13th of 15 |
| Average loan | $288K | $266K | 7th of 15 |
| Median loan | $205K | $225K | 12th of 15 |
| Purchases | 51.6% | 56.1% | 14th of 15 |
| Cash-out refinances | 25.0% | 20.9% | 6th of 15 |
| 2–4 unit properties | 12.1% | 7.2% | 4th of 15 |
| Top five lenders' share | 29.0% | 24.7% | 6th of 15 |
| Reported business-purpose | 68.5% | 75.0% | 8th of 15 |
Cecil County: closed-end loans on 1–4 unit investment properties. Cecil County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Cecil County's investor loans.
What stands out in Cecil County
51.6% of Cecil County's investor loans were purchases, the 2nd-lowest share of Maryland's 15 counties with published data (statewide: 56.1%).
Refinances are a larger share here than in most of Maryland. A DSCR refinance qualifies on the property's current rent.
Cecil County's 124 investor loans ranked 14th of Maryland's 15 counties with published data.
Does a DSCR loan pencil in Cecil County?
At HUD's fair market rent of $2,216 for a 3-bedroom in Cecil County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $330,000, with 20% down at the 7.25% starting rate (November 2026). Cecil County's median home value is $343,400; at that price the payment is $2,273 a month, so the property would need $2,275 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) | $1,860 / $2,216 / $2,445 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $343,400 |
| Median property taxes and effective rate | $3,068 (0.89% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,273 |
| Rent needed to cover that payment | $2,275 |
| Coverage of a 3-bedroom at fair market rent | 0.97 |
| Highest price a 3-bedroom at fair market rent covers | about $330,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $560,000 |
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 Cecil County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Cecil County?
The most active investment-property lenders in Cecil County in 2025 HMDA data were GUILD MORTGAGE COMPANY; RF RENOVO MANAGEMENT COMPANY, LLC; and Kiavi Funding, Inc., out of 58 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 Cecil County, and matches each file to the one most likely to fund it.
Cecil County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 124 loans and $35.7M from 58 lenders. GUILD MORTGAGE COMPANY led Cecil County with 11 loans, 8.9% of the county's total, and the average Cecil County loan of $288K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| GUILD MORTGAGE COMPANY | 11 | $2.1M | $187K | 18.2% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | $1.6M | $226K | 42.9% |
| Kiavi Funding, Inc. | 7 | $1.3M | $191K | 85.7% |
| Rocket Mortgage, LLC | 6 | $1.9M | $325K | 0.0% |
| PIKE CREEK MORTGAGE SERVICES, INC. | 5 | $1.1M | $225K | 60.0% |
| Harford Bank | 5 | $1.0M | $195K | 60.0% |
| DEEPHAVEN MORTGAGE LLC | 5 | $0.7M | $145K | 0.0% |
| Bank of Bird-in-Hand | 4 | $1.3M | $333K | 50.0% |
| DOMINION FINANCIAL SERVICES, LLC | 4 | $1.1M | $263K | 50.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 4 | $0.7M | $163K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 4 | $0.6M | $150K | 75.0% |
| 21st Mortgage Corporation | 3 | $0.7M | $228K | 100.0% |
| ABERDEEN PROVING GROUND FEDERAL CREDIT UNION | 3 | $0.5M | $175K | 33.3% |
| Freedom of Maryland Federal Credit Union | 3 | $0.5M | $162K | 33.3% |
| Hometown Equity Mortgage, LLC | 2 | $1.2M | $585K | 50.0% |
| HOMEBRIDGE FINANCIAL SERVICES, INC. | 2 | $0.6M | $285K | 50.0% |
| Univest Bank and Trust Co. | 2 | $0.5M | $265K | 100.0% |
| NVR Mortgage Finance, Inc. | 2 | $0.5M | $255K | 100.0% |
| Tomo Mortgage, LLC | 2 | $0.5M | $245K | 100.0% |
| ABSOLUTE HOME MORTGAGE CORPORATION | 2 | $0.4M | $210K | 100.0% |
| JPMorgan Chase Bank, National Association | 2 | $0.4M | $200K | 100.0% |
| GUARANTEED RATE, INC. | 2 | $0.4M | $195K | 100.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 2 | $0.4M | $190K | 0.0% |
| Sun East Federal Credit Union | 1 | $8.0M | $7965K | 0.0% |
| NATIONS DIRECT MORTGAGE, LLC | 1 | $0.8M | $825K | 100.0% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Cecil County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Cecil County CSV, all 25 lenders
What Cecil County's table can't show you: fit. Short-term financing is exempt from HMDA, so Cecil County's fix-and-flip and bridge lenders barely appear among its 58 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 Cecil County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Cecil 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 — Cecil County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 58 lenders and 124 loans: 2025 HMDA loan-level data rolled up to Cecil County.
- Cecil County investor-lender dataset (CSV) — All 25 lenders in the Cecil County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Cecil 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 Philadelphia-Camden-Wilmington, PA-NJ-DE-MD MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Cecil 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.