Baltimore–Columbia–Towson · Direct lender
Investment property loans in Baltimore, MD
CR Equity AI funds DSCR, bridge and fix-and-flip loans for real estate investors in Baltimore, MD and across Baltimore City, Baltimore County, Anne Arundel and Howard counties. We finance single-family, 2–4 unit, multifamily, mixed-use and commercial properties, with fix-and-flip funding in 24–48 hours and purchase closings in 9–15 days.
- Coverage
- 48 states
- Terms
- 5 minutes
- Fastest fund
- 24-48 hours
- Loan range
- $75K-$100M
Direct lender. We lend our own capital.
Baltimore's rowhouse stock makes it a renovation-heavy market where scope and budget matter as much as purchase price. Investors here use fix-and-flip loans with rehab draws, then sell or refinance into long-term rental debt.
Most of what we finance in the Baltimore–Columbia–Towson metro: Rowhouse renovations, rentals and mixed-use corner buildings.
Same national programs apply in Baltimore: DSCR for rentals, bridge for speed-sensitive acquisitions and lease-up, and fix and flip with rehab draws. Soft credit pull to see terms. Business-purpose only — not owner-occupied homes.
What we lend in Baltimore
Same programs as the rest of the site. These pages are the local door — not a second set of terms.
How Baltimore deals usually show up
Fix and flip in Baltimore
Purchase plus renovation with rehab draws sized to after-repair value. Speed matters in Baltimore when contracts are competitive.
DSCR rentals in Baltimore
Long-term or short-term rentals that qualify on the property's rent, not personal tax returns. Common across Hampden, Canton and Highlandtown.
Business-purpose CRE in Baltimore
Acquisition, refinance, and value-add on investment property — not owner-occupied homes.
Where we lend in Baltimore–Columbia–Towson
Counties
- Baltimore City
- Baltimore County
- Anne Arundel
- Howard
Cities and neighborhoods
- Hampden
- Canton
- Highlandtown
- Remington
- Dundalk
- Towson
- Glen Burnie
Local market
Baltimore questions
Soft credit pull only — no hit to your score to get terms Business-purpose lending in 48 states. Typical close 9-15 days.
Yes. CR Equity AI funds DSCR, bridge and fix-and-flip loans for investment properties across Baltimore City, Baltimore County, Anne Arundel and Howard counties, including Hampden, Canton, Highlandtown and Remington. Loans are for business-purpose real estate: single-family, 2–4 unit, multifamily, mixed-use and commercial.
Fix-and-flip loans can fund in 24–48 hours once the file is complete, and purchase loans typically close in 9–15 days. Timing depends on title, appraisal or valuation, and how quickly documents come in.
Yes. A DSCR loan qualifies on the property's rental income compared with its monthly debt payment, so personal tax returns and W-2s are not used to qualify. Credit, reserves and the property itself are still reviewed.
Single-family rentals and flips, 2–4 unit properties, apartment buildings with five or more units, mixed-use buildings and small-balance commercial properties. Owner-occupied homes are not eligible because these are business-purpose loans.
Yes. CR Equity AI uses a soft credit pull only to price a deal, so checking terms does not hit your score. A hard pull happens later, only after you accept terms and move toward closing.
Yes. Many investors finish a renovation with a fix-and-flip loan, lease the property, then refinance into a DSCR loan to hold it. Planning both loans at the start makes the refinance faster.