MoFin Lending for Maryland investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How MoFin Lending positions in Maryland
Within Maryland, MoFin Lending competes alongside other DSCR lenders. MoFin Lending strengths: Licensed in 34 states, Direct lender. The medium aggregate DSCR economics of Maryland create demand for MoFin Lending programs in Baltimore and Frederick particularly.
City-level coverage in Maryland
MoFin Lending provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending program terms apply uniformly across Maryland metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
MoFin Lending strengths in Maryland
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Maryland. MoFin Lending is based in an undisclosed location and operates nationally.
Baltimore is the top investor market in Maryland and falls within MoFin Lending national coverage. Baltimore property tax follows the Maryland state rate of 1 percent. MoFin Lending typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Frederick matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Maryland.
Maryland allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
For Maryland DSCR borrowers, MoFin Lending is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with MoFin Lending.