Investment property loans in Maryland
Finance a Maryland rental on the property’s income — not your tax returns or personal debt-to-income. Built for investors across the DC-adjacent Montgomery ring, Baltimore, and Frederick.
Whether you’re buying your next rental, refinancing an existing property, pulling out equity, or growing a portfolio, Andes Mortgage can help you get the right financing for your Maryland property.
- Business-purpose lending only
- Investor loans in ~46 states
- NMLS #2187991
Investment loan options built for Maryland real estate investors
Whether you’re buying a federal-commuter rental in Bethesda or Silver Spring, a Baltimore rowhome, or scaling a portfolio in Frederick — these are business-purpose loans for non-owner-occupied property, underwritten on the deal, not your personal income or debt-to-income ratio.
Business-purpose products we originate in Maryland
Every program below is business-purpose financing for non-owner-occupied property.
Follow your situation into the details — terms, down payment, and how each financing product can help you with your Maryland investment property.
Finance a Maryland rental on the property’s income. Our highest-demand investor program.
Pull equity from a rental to fund your next deal.
Our national DSCR loan page covers the full program in depth. Andes does not offer owner-occupied or consumer mortgages in Maryland.
Latest data on Maryland home prices
Maryland housing market
Realtor.com listing data · as of August 2026
Figures are Realtor.com listing data (what sellers are asking) — not sale prices. Source: Realtor.com via FRED (Federal Reserve Bank of St. Louis). Updates monthly.
Metro figures are Realtor.com median listing prices (not sale prices), published via FRED.
Two Maryland markets, two strategies
Maryland gives investors two very different plays.
The DC-adjacent Montgomery ring — Bethesda, Rockville, Gaithersburg, Silver Spring — these areas run heavy on the federal government, NIH, and the I-270 biotech corridor. As an investor, you’ll find rock-solid tenant demand, but prices could be high enough that many deals can struggle to cash flow on a monthly basis. This is where our DSCR under 1.0 comes in (where our no-floor structure earns its keep).
Baltimore flips it: low entry prices and higher yields, with two catches out-of-state investors miss — the city’s tax rate runs roughly double the counties, and many older rowhomes carry ground rent.
See the full breakdown on our Maryland DSCR page →
Have a Maryland Investment Property in Mind?
Run the scenario by us or find the right loan for you by using our Mortgage Match.
- Business-purpose lending in Maryland
Andes Mortgage originates business-purpose investment property loans in Maryland, including DSCR and other financing for non-owner-occupied rental properties. We do not offer owner-occupied or consumer-purpose mortgages in Maryland. This is not a commitment to lend. Terms subject to change. NMLS #2187991.
Maryland investor loan questions
Can I finance an investment property in Maryland through Andes?
Yes – we originate business-purpose investment property loans across Maryland, including DSCR, cash-out refinances, and investor HELOCs on non-owner-occupied rentals.
Does Andes offer owner-occupied or consumer mortgages in Maryland?
No. In Maryland, Andes offers business-purpose investment loans only — financing for rental and other non-owner-occupied property. We do not originate owner-occupied, primary-residence, or other consumer-purpose mortgages in Maryland.
What is a business-purpose (investor) loan?
A business-purpose loan finances property held to generate income or profit — a rental, a BRRRR project, a short-term rental — rather than a home you live in. Because the loan is underwritten on the property’s cash flow and business use, it follows different rules than a consumer mortgage, and the property is typically non-owner-occupied.
Can I buy a Maryland rental property through an LLC?
Absolutely. You can title your property to an LLC using our DSCR loans in Maryland. For more information on having a business own the property, visit our DSCR LLC page.
Finance your next Maryland rental
Answer a few quick questions and we’ll point you to the business-purpose program that fits your deal and what you’d need to qualify — no credit pull, no obligation.
Andes Mortgage LLC · NMLS #2187991 · Equal Housing Lender. In Maryland, Andes originates business-purpose investment property loans only (non-owner-occupied), and does not offer owner-occupied or consumer-purpose mortgages. Market figures are Realtor.com listing data (not sale prices), published via FRED (Federal Reserve Bank of St. Louis) and updated monthly. This page is informational and is not a commitment to lend; program terms and eligibility vary by lender and are subject to change.