Broker, not a lenderHard Money Lenders inRockville, Maryland
Fix and flip, DSCR rental and new construction financing for Rockville investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Rockville deal right now
Prefilled with a realistic Rockville deal. Change any number and it reprices instantly on the lanes licensed in Maryland, using the same engine behind our term sheets.
Financing a deal in Rockville
Rockville is the county seat of Montgomery County, on the Red Line and I-270, and one of the most expensive places we lend in Maryland. The flip here is usually a postwar house: Twinbrook, East Rockville and the West End are full of 1950s and 1960s brick ramblers, capes and split levels on decent lots, bought by people who want to be close to Metro and the job centers. In Maryland a first flip can be priced at 15% down with 700+ credit (from 8.99%) or 10% down with 660+ credit (from 9.99%). Programs that need completed flips: 7.5% down from 9.99% with 3+ flips; 5% down from 12.00% with 3+ flips or from 9.99% with 5+ flips; and 100% financing from 9.50% with 2+ flips when purchase plus rehab fits under 70% of ARV.
Rockville is a high price, moderate speed market. Redfin has the median up a little on a year ago, with homes taking about six weeks. The opportunity is the gap between an original 1950s rambler and a fully renovated one on the same street, and in some neighborhoods the bigger play is a teardown and new build. Those are different loans. We help you decide early whether the house is a renovation or a rebuild, because the budget, the permits and the exit all change.
What a Rockville deal looks like on paper
Rockville example: $470,000 purchase, $110,000 rehab, $820,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Think a 1950s brick rambler in Twinbrook: a full interior renovation, an opened kitchen, a second bath, new HVAC and electrical, and the basement finished. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15% of the purchase)You$70,500
- Origination (0.5%)Lender$2,548
- Lender fees (flat)Lender$1,989
- Broker fee (1%)Broker$5,048
- Title and closing (estimate at Texas rates)Title$4,853
- Prepaid interest (15 days)Lender$1,987
- Property insuranceInsurer$5,510
- AppraisalAppraiser$550
Interest while you rehab: $3,159 a month on the $399,500 funded at closing, $4,029 once every draw is out. Proof of funds is cash to close plus $27,500 of rehab reserve and $24,176 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Rockville
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 70% of ARV | 12 months | 5-14 days |
| First Flip, 10% Down1 | 10% | 660+ | First flip OK | 9.99% | 2% | 75% of ARV | 12 months | 21-30 days |
| 7.5% Down, 3+ Flips2 | 7.5% | 660+ | 3+ completed flips | 9.99% | 1.5% | 75% of ARV | 12 months | 21-30 days |
| 5% Down, 3+ Flips3 | 5% | 600+ | 3+ completed flips | 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips4 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
| 100% Financing, 2+ Flips5 | 0% (100% financing) | 620+ | 2+ completed flips | 9.50% to 12.00% | 2.5% | 70% of ARV | 9 months | 7-14 days |
- Rate 9.99% at 2 to 2.25 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 87.5% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate 9.99% at 1.5 to 1.75 points by credit; buy down to 8.99%. Loans under $150,000 add 0.5% to the rate and half a point, under $100,000 1.5% and a point. Under 680 credit the loan caps at 90% of cost. Standard interest, charged only on funds drawn. The loan is capped at a share of purchase plus rehab, the full rehab held back for draws, and the ARV must be at least 1.25 times purchase plus rehab. Processing $500, legal $1,495 and underwriting $795.
- Rate from 12%, set per file. Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
- Needs 2 completed flips in the last two years and about $75,000 in verified liquidity. Rate 9.5% to 12% and 2 to 3 points, set per file. Purchase plus rehab must fit under 70% of ARV.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of October 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
Where Rockville prices sit right now
Before we price a Rockville flip, we look at where sales in the city sit today. Your block can run well above or below these numbers, so treat them as the starting point, not the answer.
Redfin puts the Rockville median sale price at $677K for the three months ending September 2026, up 1.9% on a year earlier, with homes selling in about 45 days.
| Median sale price, Rockville (Redfin, 3 months to Sep 2026) | $677,000 |
| Change on a year earlier (Redfin) | Up 1.9% |
| Days on market, Rockville (Redfin) | 45 |
Sources: Redfin, Rockville housing market · Montgomery County DHCA, rental licensing jurisdiction in Gaithersburg and Rockville · Maryland Department of the Environment, Rental Property Owner Requirements
How a Rockville file actually gets priced
The Rockville ARV comes from renovated houses of the same style in the same neighborhood, sold recently. Twinbrook ramblers are compared to Twinbrook ramblers, not to King Farm townhomes or North Bethesda condos. A big addition can outrun the neighborhood, and appraisers here won’t give full credit for square footage the street doesn’t support. We also confirm the house is inside city limits, since Rockville runs its own permits and rental licensing apart from the county.
Rockville is its own city inside Montgomery County, so building permits and rental licenses go through the City of Rockville, not the county. Older ramblers here often carry original electrical, galvanized plumbing, oil tanks that were never removed and basements with water issues; ask about the oil tank before you buy. Maryland’s lead law covers rentals built before 1978. Transfer and recordation taxes in Montgomery County are significant, so build them into the closing costs.
Who buys your finished Rockville deal
The Rockville buyer is a dual-income household working in federal agencies, biotech and health care along I-270, or anywhere the Red Line reaches. They expect a finished product: open kitchen, updated baths, a finished basement and modern systems, and they compare against North Bethesda and Potomac. If you hold, rents are high and a DSCR loan (a rental loan qualified on the rent, not your income) can work, but get the city rental license first.
Your whole loan, in one portal
Apply once and the whole Rockville loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Rockville
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Rockville.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Rockville
We broker deals across the whole Rockville market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Maryland, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
5-14 days to fund. We stay on title and the lender through funding.
Rockville hard money FAQ
Do you lend hard money in Rockville?
Which fix and flip programs apply in Rockville?
How fast can a Rockville hard money loan close?
How much do I need to bring to close on a Rockville flip?
Do you fund the rehab budget in Rockville?
What credit score do I need for a Rockville fix and flip loan?
Can I refinance a Rockville flip into a rental loan?
Should I renovate or rebuild a Rockville rambler?
Does Rockville require a rental license?
Before you sign anything
Ready to fund your Rockville deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.