Backflip for Maryland investors
Backflip combines hard money lending with deal-analysis tools — particularly useful for newer investors wanting integrated underwriting support.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How Backflip positions in Maryland
For Maryland specifically, Backflip fits investors who match the hard money approach. The medium cash flow profile of Maryland aggregate makes it workable for Backflip.
City-level coverage in Maryland
Backflip provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Backflip program terms apply uniformly across Maryland metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, bridge |
| Loan size | $50K - $2.5M |
| Rates | 9.99%-11.99% |
| Points | 1 - 3 |
| Max LTV | 85% of ARV |
| Term lengths | 12 months |
| Typical close time | 5-10 days typical |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
Backflip strengths in Maryland
- tech-forward
- deal analysis tools
- newer investor friendly
Ideal borrower: Newer investor needing deal analysis tools alongside financing
FAQ
Yes, operates nationally including Maryland. Backflip is based in Denver, CO and operates nationally.
Baltimore is the top investor market in Maryland and falls within Backflip national coverage. Baltimore property tax follows the Maryland state rate of 1 percent. Backflip typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from Backflip. Submarket variation within Frederick matters for property selection.
Backflip applies the same rate sheet across Maryland metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Baltimore, Frederick, and Annapolis all qualify for the same Backflip program.
Backflip indicative DSCR rate range is 9.99 to 11.99 percent with 1 to 3 points.
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law. Backflip follows standard business-purpose loan structures.
Backflip funds fix-and-flip, BRRRR, bridge in Maryland.
Maryland allows standard DSCR prepay structures; Backflip typically uses 3-5 year step down.
Backflip typical close: 5-10 days typical.
Bottom line
For Maryland DSCR borrowers, Backflip is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Backflip.