DSCR Loans in Maryland

Start or scale your real estate investment portfolio in Maryland with a DSCR loan. DSCR loans in Maryland enable investors to qualify for a mortgage using rental income rather than personal income. No tax returns or employment verification required.

  • Obtain financing based on cash flow 
  • No-income mortgage solution 
  • Buy or refinance short- and long-term rentals 
  • Unlimited cash-out
  • Competitive DSCR loan rates in Maryland
Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo Review logo
Outstanding Client ExperienceOutstanding Client Experience
Specialized Lending SolutionsSpecialized Lending Solutions
Direct-to-Consumer AdvantageDirect-to-Consumer Advantage
We're Advisors, NOT SalespeopleWe're Advisors, NOT Salespeople
Effortless Digital Mortgage PlatformEffortless Digital Mortgage Platform

Table of Contents

Featured In:

Areas We Serve

Griffin Funding provides DSCR loans to borrowers throughout Maryland, including the following areas:

  • Baltimore
  • Annapolis
  • Potomac
  • Ocean City
  • Frederick
  • Maryland City
  • Hagerstown
  • Bel Air
  • Rockville

Real Estate Investment Financing in Maryland

Debt service coverage ratio (DSCR) loans allow real estate investors to qualify for a mortgage based on a property’s cash flow rather than personal income. Instead of reviewing tax returns or pay stubs, we prioritize a property’s DSCR — which measures its income versus its debt obligations — to make a lending decision. This offers a flexible mortgage solution for real estate investors looking to build or expand their portfolio. 

DSCR loans can be used to purchase or refinance long-term and short-term rental properties, with financing available for many different property types and no limit on the number of properties financed. Access up to $20 million in financing while enjoying a streamlined underwriting process with no income or employment verification. 

Visit our DSCR loan page to learn more about this type of financing and see today’s rates. Contact Griffin Funding or get started online to take the first step towards securing a DSCR loan in Maryland. 

Frequently Asked Questions

DSCR loan rates vary depending on factors such as the property type, loan amount, DSCR ratio, and the borrower’s credit profile. Working with a DSCR lender like Griffin Funding allows investors to get a rate tailored to their specific situation. 

See the DSCR rate module for up-to-date mortgage rates, and check out our current mortgage rates page for interest rates across all types of loans. 

Using the Griffin Gold app, borrowers can easily track current rates, upload required documents, and monitor the progress of their loan in real time.

Most DSCR loans with Griffin Funding require a down payment of 15–25%, though specific requirements can vary based on property cash flow and your financial profile. 

A larger down payment may qualify you for better terms, lower rates, or faster approval. Griffin Funding’s team can help you determine the optimal down payment strategy for your real estate goals.

The debt service coverage ratio (DSCR) measures whether a property’s income can cover its mortgage and other obligations. It’s calculated by dividing the property’s monthly rental income by its total monthly debt service, including principal, interest, taxes, and insurance. A DSCR of 1.0 or higher indicates the property generates enough income to cover its mortgage.

Griffin Funding reviews this ratio alongside your DSCR loan documents to help you understand how your investment stacks up and whether additional reserves may be needed.

DSCR loans are generally easier to qualify for than conventional mortgages because approval is based on the property’s income rather than the borrower’s personal finances.

Providing complete DSCR loan documents, such as lease agreements, appraisals, and financial statements, helps streamline the process. Investors with well-documented rental income often experience faster approvals and smoother closings.

Griffin Funding offers DSCR loans throughout the state, including: 

  • Baltimore
  • Annapolis
  • Bethesda
  • Frederick
  • Potomac 
  • Chevy Chase 
  • Rockville 
  • Montgomery County suburbs & surrounding areas 

Whether you’re purchasing short-term vacation rentals or long-term rental properties, Griffin Funding’s team offers an unparalleled lending experience that makes us one of the best DSCR lenders in Baltimore and across the state of Maryland.

If a DSCR loan doesn’t align with your investment strategy, alternative options include conventional investment property loans, portfolio loans, or other non-QM loans that consider personal income in addition to rental income. Comparing alternatives can help investors find the financing that best fits their portfolio goals.