Genesis Capital for Maryland investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How Genesis Capital positions in Maryland
Within Maryland, Genesis Capital competes alongside other DSCR lenders. Genesis Capital strengths: large transaction capacity, institutional-quality underwriting. The medium aggregate DSCR economics of Maryland create demand for Genesis Capital programs in Baltimore and Frederick particularly.
City-level coverage in Maryland
Genesis Capital provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Genesis Capital 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, bridge, rental, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
Genesis Capital strengths in Maryland
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Maryland. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Baltimore is the top investor market in Maryland and falls within Genesis Capital national coverage. Baltimore property tax follows the Maryland state rate of 1 percent. Genesis Capital typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from Genesis Capital. Submarket variation within Frederick matters for property selection.
Genesis Capital 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 Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Maryland.
Maryland allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
Genesis Capital in Maryland works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.