Mortgage Capital Funding for Maryland investors
Mortgage Capital Funding is a broker-only DSCR lender offering a no-ratio program alongside standard DSCR underwriting (0.75 minimum DSCR, 660 minimum credit score). Maximum LTV is 80% on loans up to $1,500,000 for borrowers with a 700+ credit score; overall loan size runs $150,000 to $3,000,000. The company does not publish rate or state-coverage figures in the sources reviewed.
Maryland context
Maryland strong rowhouse and multi-unit DSCR in Baltimore. Strict landlord-tenant law.
How Mortgage Capital Funding positions in Maryland
Within Maryland, Mortgage Capital Funding competes alongside other DSCR lenders. Mortgage Capital Funding strengths: No-ratio DSCR program available, Broker-only origination. The medium aggregate DSCR economics of Maryland create demand for Mortgage Capital Funding programs in Baltimore and Frederick particularly.
City-level coverage in Maryland
Mortgage Capital Funding provides DSCR coverage across Maryland metros including Baltimore, Frederick, and Annapolis. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Mortgage Capital Funding 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 - $3.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Maryland property tax | 1% |
| Maryland state income tax | 5.75% |
Mortgage Capital Funding strengths in Maryland
- No-ratio DSCR program available
- Broker-only origination
- 80% LTV up to $1,500,000 at 700+ credit score
- 0.75 minimum DSCR
Ideal borrower: Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.
FAQ
Likely; verify direct Maryland coverage. Mortgage Capital Funding is based in an undisclosed location and operates in states not publicly disclosed.
Baltimore is the top investor market in Maryland and is generally within Mortgage Capital Funding states not publicly disclosed footprint. Baltimore property tax follows the Maryland state rate of 1 percent. Mortgage Capital Funding typically underwrites Baltimore acquisitions at standard rate sheets.
Yes. Frederick ranks among the larger Maryland investor metros and sees consistent DSCR loan volume from Mortgage Capital Funding. Submarket variation within Frederick matters for property selection.
Mortgage Capital Funding 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 Mortgage Capital Funding program.
Mortgage Capital Funding 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. Mortgage Capital Funding follows standard business-purpose loan structures.
Mortgage Capital Funding funds rental DSCR in Maryland.
Maryland allows standard DSCR prepay structures; Mortgage Capital Funding typically uses 3-5 year step down.
Mortgage Capital Funding typical close: Not publicly published.
Bottom line
Maryland investors considering Mortgage Capital Funding should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Mortgage Capital Funding.