DSCR Loans in Howard 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, 108 lenders made 262 investment-property loans in Howard County, 2.7% of Maryland's total. Dominick Prevete arranges DSCR loans across Howard 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 $365,000.
Howard County investor market at a glance
| Statistic | Howard County | Maryland | County rank |
|---|---|---|---|
| Investor loans | 262 | 9,728 | 9th of 15 |
| Reporting lenders | 108 | 412 | 8th of 15 |
| Loan volume | $89.2M | $2.59B | 8th of 15 |
| Average loan | $340K | $266K | 3rd of 15 |
| Median loan | $305K | $225K | 2nd of 15 |
| Purchases | 64.9% | 56.1% | 6th of 15 |
| Cash-out refinances | 16.0% | 20.9% | 12th of 15 |
| 2–4 unit properties | 1.1% | 7.2% | 13th of 15 |
| Top five lenders' share | 21.8% | 24.7% | 13th of 15 |
| Reported business-purpose | 67.9% | 75.0% | 9th of 15 |
Howard County: closed-end loans on 1–4 unit investment properties. Howard County's rank is highest first, among Maryland's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Howard County's investor loans.
What stands out in Howard County
The median investor loan in Howard County was $305K, the 2nd-highest median of Maryland's 15 counties with published data (statewide: $225K).
Loans here run large. Dominick arranges DSCR loans from $75,000 up through jumbo balances.
1.1% of Howard County's investor loans financed a 2–4 unit property, the 3rd-lowest share of Maryland's 15 counties with published data (statewide: 7.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
The five most active lenders wrote 21.8% of Howard County's investor loans, the 3rd-lowest share of Maryland's 15 counties with published data (statewide: 24.7%).
Lending here is spread across many lenders; the best fit depends on the deal more than the lender's size.
Does a DSCR loan pencil in Howard County?
At HUD's fair market rent of $2,509 for a 3-bedroom in Howard County, Maryland, a rental covers its full DSCR payment up to a purchase price of about $365,000, with 20% down at the 7.25% starting rate (November 2026). Howard County's median home value is $597,900; at that price the payment is $4,094 a month, so the property would need $4,100 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) | $597,900 |
| Median property taxes and effective rate | $6,987 (1.17% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $4,094 |
| Rent needed to cover that payment | $4,100 |
| Coverage of a 3-bedroom at fair market rent | 0.61 |
| Highest price a 3-bedroom at fair market rent covers | about $365,000 |
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 Howard County's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Howard County?
The most active investment-property lenders in Howard County in 2025 HMDA data were UNITED SHORE FINANCIAL SERVICES, LLC; Rocket Mortgage, LLC; and RF RENOVO MANAGEMENT COMPANY, LLC, out of 108 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 Howard County, and matches each file to the one most likely to fund it.
Howard County's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 262 loans and $89.2M from 108 lenders. UNITED SHORE FINANCIAL SERVICES, LLC led Howard County with 27 loans, 10.3% of the county's total, and the average Howard County loan of $340K compares with $266K across Maryland.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| UNITED SHORE FINANCIAL SERVICES, LLC | 27 | $8.7M | $321K | 48.1% |
| Rocket Mortgage, LLC | 10 | $4.3M | $429K | 50.0% |
| RF RENOVO MANAGEMENT COMPANY, LLC | 7 | $2.2M | $308K | 85.7% |
| Prosperity Home Mortgage, LLC | 7 | $1.9M | $272K | 71.4% |
| Kiavi Funding, Inc. | 6 | $2.6M | $435K | 83.3% |
| PENNYMAC LOAN SERVICES, LLC | 6 | $2.5M | $422K | 66.7% |
| OCMBC, INC. | 6 | $1.8M | $305K | 100.0% |
| TD Bank, National Association | 6 | $1.8M | $297K | 83.3% |
| THE LOAN STORE, INC. | 6 | $1.8M | $292K | 50.0% |
| NEWREZ LLC | 6 | $1.4M | $230K | 50.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $1.1M | $227K | 100.0% |
| CONVENTUS LLC | 4 | $2.0M | $495K | 100.0% |
| PRIMELENDING, A PLAINSCAPITAL COMPANY | 4 | $1.4M | $353K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 4 | $1.3M | $320K | 25.0% |
| EMET LENDING GROUP, INC. | 4 | $1.3M | $315K | 75.0% |
| Towne Bank | 4 | $1.2M | $305K | 100.0% |
| First Federal Bank | 3 | $1.8M | $615K | 33.3% |
| Citadel Servicing Corporation | 3 | $1.3M | $445K | 66.7% |
| FEDERATED MORTGAGE CORP. | 3 | $1.2M | $392K | 0.0% |
| Arundel Federal Savings Bank | 3 | $1.2M | $388K | 100.0% |
| AMERICAN HERITAGE LENDING, LLC | 3 | $1.1M | $375K | 100.0% |
| First National Bank of Pennsylvania | 3 | $1.0M | $348K | 66.7% |
| ARC HOME LLC | 3 | $1.0M | $335K | 66.7% |
| Northpointe Bank | 3 | $1.0M | $335K | 66.7% |
| MERIDIAN BANK | 3 | $0.9M | $305K | 66.7% |
784 Maryland loans (8.1%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Howard County: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Howard County CSV, all 25 lenders
What Howard County's table can't show you: fit. Short-term financing is exempt from HMDA, so Howard County's fix-and-flip and bridge lenders barely appear among its 108 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 Howard County, Maryland deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Howard 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 — Howard County's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 108 lenders and 262 loans: 2025 HMDA loan-level data rolled up to Howard County.
- Howard County investor-lender dataset (CSV) — All 25 lenders in the Howard County, Maryland table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Howard 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 — Howard 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.