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DSCR loans in Maryland

Quick answer

DSCR loans in Maryland qualify investors on a property's rental income instead of personal income, typically with 20%–25% down and a 660+ credit score.

By Purchase Mortgage Loan Editorial Team Checked against official sources per our editorial standardsLast updated

DSCR loan snapshot for Maryland

ItemEstimate
Minimum down payment20%–25%
Minimum credit score660–700
Typical MD home value$397,700
3.5% down on typical home$13,920
20% down on typical home$79,540
Avg. effective property tax1.00%/yr (~$332/mo)
Income for typical home (31% rule)$126,000

Rate assumption: 7.18% (Freddie Mac PMMS 30-year fixed average, week of November 5, 2026). Change it in the payment calculator.

Which Maryland programs pair with DSCR loans?

  • 1st Time Advantage: Fixed-rate loans for first-time buyers with down payment assistance options.
  • Partner Match: Matching assistance funds from participating employers, counties and builders.

Details and current limits: Maryland Mortgage Program (DHCD).

How is DSCR calculated?

Lenders divide the property's market rent (from an appraiser's rent schedule or an existing lease) by the full monthly payment: principal, interest, taxes, insurance and any HOA dues. Example: $2,400 rent ÷ $2,000 payment = 1.20 DSCR.

Typical DSCR loan requirements

  • Down payment: 20%–25% (sometimes 15% for strong files).
  • Credit: 660–700 minimum.
  • Reserves: commonly 3–12 months of payments.
  • Property types: 1–4 unit homes, condos and townhomes; some lenders allow short-term rentals.

DSCR loans in Maryland cities

BaltimoreColumbiaGermantownWaldorfSilver SpringFrederickEllicott CityGlen BurnieGaithersburgBethesdaRockvilleDundalkSevernBowieBel Air SouthTowsonAspen HillWheatonNorth BethesdaPotomacOdentonHagerstownCatonsvilleAnnapolisEssexWoodlawnSeverna ParkClintonOlneyRandallstownOwings MillsChillumCollege ParkPikesvilleMontgomery VillageSalisburyPasadenaMilford MillMiddle RiverBel Air NorthEldersburgParkvilleCroftonLaurelClarksburgPerry HallCarneyReisterstownSouth LaurelLochearnIlchesterElkridgeFairlandBallenger CreekFort WashingtonNorth LaurelEdgewoodSuitlandGreenbeltLandoverNorth PotomacArnoldCockeysvilleCamp SpringsLangley ParkArbutusHyattsvilleRosedaleWestminsterBeltsvilleEast RiverdaleRedlandCumberlandMaryland CitySeabrookOxon HillLake ShoreParoleCalvertonGlassmanorTakoma ParkAdelphiEastonFerndaleDamascusAberdeenCloverlyGlenmontWhite OakElktonBrooklyn ParkHillcrest HeightsSummerfieldMays ChapelRossvilleLake ArborGlenn DaleHavre de GraceBensvilleKemp MillColesvilleUrbanaKetteringFlower HillNew CarrolltonLexington ParkBrock HallJoppatowneAccokeekCaliforniaGreen ValleyCambridgeLinganoreRiviera BeachAnnapolis NeckOverleaRosaryvilleOcean PinesHoneygoWestphaliaLanhamLargoFriendlyMitchellvilleTravilahBrandywineHalfwayTimoniumForestvilleBel AirLinthicumWhite MarshFort MeadeLa PlataGarrisonScaggsvilleMarltonBurtonsville

Frequently asked questions

Yes. DSCR loans are available statewide in Maryland through approved lenders, subject to county loan limits where they apply.

Often yes. Maryland Mortgage Program (DHCD) and local programs frequently pair assistance with FHA, conventional, VA or USDA first mortgages. Eligibility depends on income, price and program rules.

Answer a few questions on Purchase Mortgage Loan and we'll match you with lenders and loan officers in our network who serve Maryland.

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Figures on this page are estimates for educational purposes only and are not a loan offer or commitment to lend. Rates, loan limits, fees and assistance programs change frequently and vary by lender, location and borrower profile. Confirm current terms with a licensed loan officer.