DSCR Loans in Harford 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, 91 lenders made 287 investment-property loans in Harford County, 3.0% of Maryland's total. Dominick Prevete arranges DSCR loans across Harford 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 $375,000.
Harford County investor market at a glance
| Statistic | Harford County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 287 | 9,728 | 8th of 15 |
| Reporting lenders | 91 | 412 | 9th of 15 |
| Loan volume | $65.8M | $2.59B | 9th of 15 |
| Average loan | $229K | $266K | 12th of 15 |
| Median loan | $215K | $225K | 11th of 15 |
| Purchases | 65.5% | 56.1% | 5th of 15 |
| Cash-out refinances | 26.5% | 20.9% | 5th of 15 |
| 2–4 unit properties | 3.5% | 7.2% | 10th of 15 |
| Top five lenders' share | 28.6% | 24.7% | 7th of 15 |
| Reported business-purpose | 74.9% | 75.0% | 3rd of 15 |
Harford County: closed-end loans on 1–4 unit investment properties. Harford County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Harford County's investor loans.
What stands out in Harford County
By share of investor loans reported as business-purpose, Harford County ranks 3rd-highest of Maryland's 15 counties with published data (statewide: 75.0%).
74.9% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
Harford County's 287 investor loans ranked 8th of Maryland's 15 counties with published data.
Does a DSCR loan pencil in Harford County?
At HUD's fair market rent of $2,509 for a 3-bedroom in Harford County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $375,000, with 20% down at the 7.25% starting rate (November 2026). Harford County's median home value is $386,400; at that price the payment is $2,557 a month, so the property would need $2,575 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) | $386,400 |
| Median property taxes and effective rate | $3,448 (0.89% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,557 |
| Rent needed to cover that payment | $2,575 |
| Coverage of a 3-bedroom at fair market rent | 0.98 |
| Highest price a 3-bedroom at fair market rent covers | about $375,000 |
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 Harford County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Harford County?
The most active investment-property lenders in Harford County in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and RF RENOVO MANAGEMENT COMPANY, LLC, out of 91 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 Harford County, and matches each file to the one most likely to fund it.
Harford County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 287 loans and $65.8M from 91 lenders. Kiavi Funding, Inc. led Harford County with 25 loans, 8.7% of the county's total, and the average Harford County loan of $229K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 25 | $6.3M | $251K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 17 | $3.9M | $229K | 76.5% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 14 | $3.4M | $246K | 78.6% |
| Freedom of Maryland Federal Credit Union | 13 | $2.9M | $226K | 46.2% |
| Rocket Mortgage, LLC | 13 | $2.7M | $208K | 46.2% |
| DOMINION FINANCIAL SERVICES, LLC | 12 | $2.4M | $201K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 10 | $2.9M | $290K | 40.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | $1.5M | $188K | 12.5% |
| Commerce Home Mortgage, Inc. | 6 | $1.7M | $285K | 33.3% |
| Logan Finance Corporation | 6 | $1.4M | $235K | 83.3% |
| ANGEL OAK MORTGAGE SOLUTIONS LLC | 6 | $1.3M | $223K | 0.0% |
| Jarrettsville Federal Savings and Loan Association | 6 | $1.3M | $212K | 100.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $1.0M | $205K | 100.0% |
| GUARANTEED RATE AFFINITY, LLC | 5 | $0.9M | $187K | 60.0% |
| STATE EMPLOYEES CREDIT UNION OF MARYLAND, INCORPORATED | 5 | $0.9M | $181K | 100.0% |
| OCMBC, INC. | 5 | $0.9M | $179K | 20.0% |
| Harford Bank | 5 | $0.7M | $139K | 80.0% |
| NEWREZ LLC | 4 | $1.1M | $283K | 25.0% |
| CARRINGTON MORTGAGE SERVICES, LLC | 4 | $1.1M | $275K | 50.0% |
| FIRST HOME MORTGAGE CORPORATION | 4 | $1.0M | $260K | 100.0% |
| Atlantic Union Bank | 4 | $0.9M | $223K | 25.0% |
| PENNYMAC LOAN SERVICES, LLC | 4 | $0.8M | $213K | 100.0% |
| PRIMARY RESIDENTIAL MORTGAGE, INC. | 4 | $0.8M | $193K | 75.0% |
| Manufacturers and Traders Trust Company | 4 | $0.7M | $183K | 50.0% |
| AAA CAPITAL INVESTMENT, INC. | 4 | $0.6M | $145K | 75.0% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Harford County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Harford County CSV, all 25 lenders
What Harford County's table can't show you: fit. Short-term financing is exempt from HMDA, so Harford County's fix-and-flip and bridge lenders barely appear among its 91 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 Harford County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Harford 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 — Harford County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 91 lenders and 287 loans: 2025 HMDA loan-level data rolled up to Harford County.
- Harford County investor-lender dataset (CSV) — All 25 lenders in the Harford County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Harford 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 — Harford 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.