CASH-OUT REFINANCE · Maryland (MD) Underwriting Matrix

Maryland Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Maryland Cash-Out Refinance provide business-purpose real estate investors with Up to 75% LTV Cash-Out (Select 80% LTV Tiers) across loan amounts from $100,000 – $15,000,000+ at 6.625% – 8.375% (30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only, 640 – 680+ FICO min FICO, 14 – 21 Business Days close). In Maryland (MD), lenders underwrite to a Quasi-Judicial (Order to Docket / Power of Sale) statutory framework (120–170 days-day average timeline), a 1.05% average property tax rate (~$363/mo at the $415,000 state median), and $490/$100K hazard insurance (~$169/mo).

Max Leverage / LTC

Up to 75% LTV Cash-Out (Select 80% LTV Tiers)

Min FICO: 640 – 680+ FICO

2026 Rate Band

6.625% – 8.375%

30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only

MD Security Instrument

Quasi-Judicial (Order to Docket / Power of Sale)

120–170 days days avg timeline

MD Avg Tax & Ins

1.05% Tax

$490/$100K Hazard Ins

How Cash-Out Refinance Work in Maryland (MD)

Investor DSCR cash-out refinance loans let property owners unlock equity from appreciated or recently renovated 1–4 unit rentals and 5–25+ unit multifamily properties up to 75% LTV—using only the property’s rental coverage ratio with zero personal tax returns and accelerated 90-to-180 day title seasoning options.

1. Maryland Median Benchmark

Median 1–4 unit price of $415,000 (75% LTV = $311,250) with Form 1007 rent of $3,050/mo and multifamily rent of $1,750/door.

2. Escrow & Title Underwriting

Maryland operates under a Quasi-Judicial (Order to Docket / Power of Sale) regime (120–170 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (14 – 21 Business Days)

Close in your Maryland LLC or Delaware LLC registered in MD with zero personal tax returns, W-2s, or 4506-C transcripts.

Maryland County-Level Property Tax & Insurance Hubs (3)

Baltimore City, MD

Baltimore City, MD · 2.24% Tax · $650/$100K Ins

Montgomery County, MD

Montgomery County, MD · 1.04% Tax · $540/$100K Ins

Prince George's County, MD

Prince George's County, MD · 1.38% Tax · $560/$100K Ins

Explore Other Programs in Maryland

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