Fix & Flip
Fix & Flip Loans
Fast funding for rehab projects. We evaluate the deal, not just your credit score.
- Up to 100% of purchase
- 100% of rehab costs
- Up to 75% LTV
Private Hard Money Lender · Serving Maryland Since 2009
Fast, flexible funding for Maryland real estate investors.
Fix & flip, rental, and small-commercial hard money loans — structured to actually close. Backed by 30 years of experience and over 100 of my own flips, I evaluate your deal the way you do.
✓ Up to 100% of purchase + rehab
✓ No prepayment penalties
✓ Draws funded in 24–48 hrs
✓ First-timers welcome
Recently funded
A Maryland renovation
Up to 100%purchase + rehab
Up to 75% LTVbased on ARV
From 12% + 2 ptsrate & points
12-monthinterest-only terms
~1 weekto close
$100M+
Funded Since 2009400+
Successful Loans30 yrs
Real Estate Experience24–48hr
Draw Funding
Meet your lender
"I've renovated and flipped over 100 homes, grown a large rental portfolio, built new homes from the ground up, and funded over 400 loans. I've sat on every side of the table — lender, investor, and borrower — so you can learn from my mistakes instead of making your own."
When you bring me a deal, you're talking directly to the person who evaluates it, approves it, and funds it. I've been lending in Baltimore and across Maryland since 2009, and I look at every deal the way an investor does — the risks and the upside — then structure financing that fits the project and gets you to the closing table on time. My job is simple: get your loan closed quickly, safely, and on the best terms I can offer.
Michael Krupp
Principal & Chief Lending Coach, MD Private Lender
Why MD Private Lender
Built for investors, by an investor
Deadlines matter. Every deal is different. Here's what changes when your lender has actually done what you're doing.
⚡
Fast, Direct Decisions
Most loans approved the same day or within 24 hours — and you deal directly with the person who says yes. No runaround, no waiting.
💵
Draws in 24–48 Hours
Rehab draw funds released to you or your contractor within 24–48 hours so your project stays on schedule.
🏗️
Real Investor Experience
100+ flips, 20+ rentals, 6 new-construction builds. We evaluate deals the way you do — and help you avoid costly mistakes.
🔎
No Outside Appraisals
We do our own in-house valuations. That means fewer fees, fewer delays, and faster closings.
📍
Maryland Focused
We're local. We know the neighborhoods, contractors, title companies, and suppliers — and it saves you money.
🎓
First-Timers Welcome
New investors are our specialty. We mentor you through the process and structure your first deal for success.
Loan Programs
Financing for every kind of deal
Whether you're rehabbing, holding, or buying commercial — we structure a loan that works for your strategy.
Rental & BRRRR
Rental Property Loans
Financing for rental acquisitions, refinances, and the BRRRR strategy.
- 12-month interest-only
- Short-term fully-amortizing (select loans)
- Purchase, refinance & BRRRR
Commercial
Small Commercial Loans
For properties and borrowers that don't fit traditional bank guidelines — or need to close fast.
- Typically loans under $500k
- Retail, mixed-use, multi-family
- Business loans secured by real estate
How It Works
A simple 4-step process
From first conversation to funded — transparent and fast at every step.
01
Submit Your Deal
Tell us about you and your project — address, purchase price, rehab budget, and after-repair value.
02
Personal Evaluation
A short one-page application (free), then we discuss your goals and evaluate the whole project with you.
03
Fast Approval
Most loans are approved the same day or within 24 hours — straight from the decision-maker, no waiting.
04
Close & Fund
Flexible closing on your timeline — as fast as one week when the title work is ready.
Recently Funded
Real deals, real Maryland investors
A look at properties we've funded across Baltimore and the surrounding counties.
4309 Queensbury
Funded
6603 Fairmount
Funded
2717 Chesley
Funded
420 Aigburth
Funded
7112 Fresno
Funded
504 Kenora
FundedReal properties funded by MD Private Lender. Michael — send me the city, loan type, and any loan amount you'd like shown for each, and we'll confirm photo-usage rights before this goes public.
Where We Lend
Local knowledge across Maryland
We know these markets — the neighborhoods, the contractors, the title companies, the suppliers. That local edge saves you time and money on every deal.
- Baltimore City
- Baltimore County
- Howard County
- Anne Arundel
- Carroll County
- Harford County
- Cecil County
- Prince George's
- Montgomery County
- Frederick County
- Charles County
- Calvert County
- Queen Anne's
Plus select deals in the Washington, DC metro, Northern Virginia, and Pennsylvania.
What Investors Say
Trusted deal after deal
Experienced investors come back to us because when they succeed, we succeed. Read what clients are saying about MD Private Lender on Google.