Baltimore, MD’s Trusted Hard Money Lender for Real Estate Investors

Baltimore's real estate market demands speed, flexibility, and certainty. Whether you're flipping rowhomes in Federal Hill, developing new construction in Canton, or scaling a rental portfolio across the city, traditional bank financing moves too slowly for serious investors. Unitas Funding provides fast, asset-based lending designed specifically for  real estate professionals who need capital that keeps pace with opportunity.

We specialize in private loans for Baltimore real estate investors who understand that timing determines profitability. With institutional backing of $4.5 billion in funded loans and a direct lending model that closes deals in as few as 10 days, Unitas combines the reliability of a major lender with the entrepreneurial flexibility investors require. From fix and flip financing to ground-up construction funding, we structure loans around your project, not rigid banking requirements.

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Fast, Reliable Capital for Your Next Real Estate Deal

Investors lose deals waiting for traditional lenders to process paperwork. Unitas Funding closes hard money loans in Baltimore in 10 business days with complete files, enabling you to compete with cash buyers and secure properties before competitors. Our asset-based lending approach focuses on property value and your exit strategy rather than personal income documentation, streamlining approval and funding. With rates starting at 8.99% and loan-to-cost ratios up to 92.5%, we provide the leverage investors need to maximize returns while maintaining competitive carrying costs.

Fix & Flip Loans

Fix & Flip Loans

Baltimore's aging housing stock creates consistent fix and flip opportunities across neighborhoods from Hampden to Highlandtown. Unitas provides short-term financing covering both purchase price and renovation costs based on after repair value (ARV), not arbitrary lending boxes. Our fix and flip loans offer 12-, 18-, and 24-month terms with interest-only payment structures that preserve cash flow during renovation. We understand unique property challenges and structure draw schedules that align with actual construction progress, not bureaucratic delays.

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New Construction Loans

New Construction Loans

Ground-up construction lending requires lenders who understand development timelines, municipal processes, and market absorption rates. Unitas funds single-family and multifamily residential projects with customized draw schedules tied to inspection milestones, not arbitrary payment calendars. Our construction loan team processes draw requests within 24-48 hours after inspection completion, keeping your projects moving and contractors paid. Whether you're building spec homes in emerging neighborhoods or developing multi-unit properties near Johns Hopkins, we provide the capital and construction expertise developers need.

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Bridge Loans

Bridge Loans

Gap financing solves timing problems that cost investors profitable deals. Unitas bridge loans provide 6-12 month terms for investors who need to close quickly on properties while awaiting permanent financing, property sales, or portfolio refinancing. Our bridge loan approval process focuses on property equity and exit strategy clarity, enabling fast closings when opportunities arise. Whether you're transitioning between properties, stabilizing a rental before DSCR refinancing, or securing a time-sensitive acquisition, our bridge financing keeps your investment strategy on track.

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DSCR Loans

DSCR Loans for Rental Properties

Baltimore's rental market demands financing that reflects property income potential, not personal tax returns. Unitas DSCR loans qualify based on debt service coverage ratio, analyzing rental income against debt obligations rather than requiring W-2s or personal income verification. Our rental property loans serve short-term rentals, mid-term rentals, and traditional long-term holds with terms customized to your cash flow strategy and property performance.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner
    Unitas combines institutional capital backing with entrepreneurial execution. Our $4.5 billion in funded short-term and collateral-based loans provides the financial strength investors need for confidence and reliability. Unlike traditional banks requiring 30-45 day timelines, we close in 10 business days. Unlike small private money lenders with limited capital, we fund consistently regardless of market conditions. You receive institutional credibility with partnership-level responsiveness.

  2. More Ways to Say ‘Yes’ to Your Deal.
    Baltimore properties don't fit cookie-cutter lending criteria. Historic rowhomes, mixed-use developments, and unconventional renovation projects require lenders who understand creative deal structures. Unitas underwrites based on property fundamentals and exit strategy viability, not rigid approval processes. Our team brings deep construction knowledge and real estate market expertise to problem-solve financing challenges traditional lenders reject. We customize loan terms around your specific project timeline, budget, and investment strategy.

  3. Certainty from a Direct Lender.
    Unitas owns our capital and makes final lending decisions internally. When we approve a hard money loan for a Baltimore investor, funding is guaranteed. This direct lending model proved critical during market volatility when conduit lenders froze funding in 2022. Investors working with Unitas receive transparent communication, predictable timelines, and the assurance that "yes truly means yes." Your approved deal closes on schedule.

  4. Faster Funding, Faster Draws
    Construction projects and renovation timelines don't wait for slow lender bureaucracy. Unitas processes draw requests within 24-48 hours after third-party inspection completion, keeping contractors paid and projects progressing. Our streamlined draw approval system eliminates the weeks-long delays common with traditional construction lenders. Investors manage approximately 10 draws per typical project with responsive communication and clear budget tracking throughout the process.


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Get Pre-Approved in 24 Hours!
Stop losing investment opportunities to faster-moving competitors. Unitas Funding provides same-day pre-approvals and term sheets for qualified investors, enabling you to make competitive offers with financing confidence. Our experienced lending team understands Baltimore's neighborhoods, property values, and market dynamics. Submit your project details below for rapid pre-qualification and discover how institutional capital with entrepreneurial flexibility accelerates your real estate investment success.

Frequently Asked Questions

What types of investment properties do you finance?

Unitas funds business-purpose real estate investments including single-family fix and flips, multifamily renovations, ground-up construction, bridge financing, and rental properties qualifying through DSCR analysis. We finance residential properties from rowhomes to new construction developments. All loans are made to business entities (LLCs, corporations) for investment purposes only, not consumer residential mortgages. We evaluate deals based on property value, after repair value, and exit strategy viability rather than rigid property type restrictions.

How quickly can you close on a Baltimore investment property?

Unitas closes hard money loans in Baltimore in as few as 10 business days with complete files. Pre-approvals and term sheets are available same-day for qualified investors. Final approval typically occurs within 3-5 business days depending on title clearance and property valuation completion. Our direct lending model eliminates secondary approval committees and conduit delays that slow traditional lenders. Investors receive transparent timelines and responsive communication throughout the entire process from application through final funding.

What are your loan-to-cost ratios for Baltimore fix-and-flip projects?

Unitas provides loan-to-cost ratios up to 92.5% on qualified fix and flip projects with rates starting at 8.99%. Actual LTC ratios and rates vary based on property location, borrower experience, project scope, and market conditions. Our asset-based underwriting focuses on after repair value and deal profitability rather than arbitrary lending limits. We structure financing to maximize your leverage while maintaining appropriate risk parameters for both purchase price and renovation budgets.

Do you require personal income verification for DSCR loans?

No. Unitas DSCR loans qualify based on property income and debt service coverage ratio analysis, not personal W-2s, tax returns, or employment verification. We evaluate rental income potential against debt obligations to determine loan approval. This asset-based approach streamlines approval for rental property investors and eliminates the documentation burden typical of traditional mortgage lending. Borrowers provide business entity documentation, down payment verification, and property income analysis rather than personal financial history.

What areas of Baltimore do you serve?

Unitas provides hard money lending throughout Baltimore and surrounding Maryland markets. We finance investment properties across all neighborhoods and extend coverage to suburban markets throughout the greater Baltimore metropolitan area. Our lending team understands local market dynamics, property values, and neighborhood-specific investment opportunities. While we serve Baltimore extensively, please note Unitas operates as a wholesale lender only in certain states and does not accept direct applications from borrowers in Nevada, Washington, Oregon, or Utah.

Ready to Fund Your Next Baltimore Real Estate Investment?

Baltimore's real estate market rewards investors who move decisively with reliable capital backing. Unitas Funding provides the speed, flexibility, and institutional strength serious investors require. Whether you're closing your first fix and flip or scaling a portfolio of rental properties, our experienced team structures financing around your specific investment strategy. Contact Unitas today for same-day pre-approval and discover how private loans for Baltimore real estate investors should work.

Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting.