What this means for a Baltimore rental property (DSCR) loan
Baltimore's median home value is $229,600, 0.7 times the U.S. median, while the median gross rent is $1,331 a month. That puts the price-to-annual-rent ratio at 14.4, the 18th lowest of the 150 cities B-Line Capital covers.
A worked example: buy at the median value with 80% leverage at 7% interest-only, and allow 1.2% of value a year for taxes and insurance. The monthly payment is about $1,301, so the citywide median rent roughly breaks even (DSCR 1.02). Single-family rents usually run above the citywide median, which adds cushion for qualification.
Renters occupy 52.5% of Baltimore's occupied homes and rental vacancy is 4.8%, a deep tenant pool for a property qualified on rent.
Check a Baltimore rental's DSCR
Prefilled with Baltimore's median home value and median rent. Change any number to match your property.
Assumes interest-only payments. Estimates only, not a loan offer; lenders set their own DSCR minimums.
Rental Property Loan program details
| Loan purpose | Purchase, limited cash-out, or complete cash-out3 |
|---|---|
| Borrower | Individual or entity |
| Properties per loan | 1 (bundle 2+ with a rental portfolio loan) |
| Interest rate | As low as 7%1 |
| Term | 30-year fixed; interest-only payments available |
| Experience | Not available to first-time homebuyers |
| Minimum credit score | 640 |
| Maximum loan-to-value | 80% on purchase, 75% on cash-out4 |
| Loan amount | $300K to $10MM13 |
| Vacant properties | Maximum 60% LTV |
| Seasoning | 180 days |
| Rural properties | Not eligible |
| Foreign nationals | Select countries; maximum 70% LTV |
| Property types | Single-family homes, 2–4 unit properties, condos, townhomes |
| Income verification | No personal income or tax return verification |
| Valuation | No-fee alternative valuation and rent schedule for select properties18 |
How it works
- Request a quote. Tell us about the Baltimore property, your plan, and the loan amount you need. It takes a few minutes.
- Compare offers. We shop the deal across private lenders, family offices, and commercial capital sources and bring you up to three offers.
- Close and fund. We coordinate documents, valuation, and title with the lender you choose through closing.
Questions about rental property (DSCR) loans in Baltimore
What is the median rent in Baltimore?
The median gross rent in Baltimore is $1,331 a month (Census ACS 2020–2024), compared with $1,705 for Maryland and $1,413 nationally.
Does a typical Baltimore rental qualify for a DSCR loan?
At the median home value of $229,600, 80% leverage, and a 7% interest-only rate, the payment including estimated taxes and insurance is about $1,301 a month. A property needs rent near that level for a 1.00 DSCR; the citywide median rent is $1,331. Lower leverage or multi-unit properties improve the ratio.
Do I need to show personal income or tax returns?
No. Rental property (DSCR) loans qualify on the property's rental income compared with its monthly payment, not on your personal income or tax returns.
What credit score do I need?
Programs typically start at a 640 FICO score.
Can foreign nationals qualify?
Yes, borrowers from select countries can qualify, with a maximum of 70% loan-to-value.
Do I need investing experience?
These loans are not available to first-time homebuyers. Beyond that, experience requirements vary by lender.
Does B-Line Capital lend directly?
No. B-Line Capital is a private money broker. It compares offers from multiple private lenders, family offices, and commercial capital sources so you can choose the best rate and terms.
What fees are involved?
B-Line Capital's broker fee typically ranges from 0.5 to 2 points depending on deal size and complexity. Fees are disclosed on your closing statement and are not charged until your loan funds.
How long does it take to close in Baltimore?
Timelines depend on the lender, the deal's complexity, and how quickly documents come together. Private financing generally moves faster than a bank loan; ask your B-Line Capital contact for a timeline specific to your Baltimore project.
How do I get started with a rental property (DSCR) loan in Baltimore?
Request a quote to compare offers from up to three lenders, or call (206) 949-3416 to talk with the team.
