Maryland Rental Investor Guides: Licensing, Taxes and DSCR

Maryland Guides for DSCR Rental Investors

TL;DR

These guides cover the Maryland-specific items that most often change a DSCR loan: Baltimore rental licensing, statewide lead-paint registration, SDAT property taxes and insurance, ground rent on older homes, and borrowing through a Maryland LLC. Each opens with a quick answer and ends with common questions.

All guides

Baltimore Rental Licensing and Your DSCR Loan

How Baltimore City rental licensing and inspections affect a DSCR purchase or refinance, what lenders ask about, and how to pass inspection the first time.

Maryland Lead-Paint Registration for Rental Investors

What Maryland's lead-risk reduction law means for pre-1978 rentals: MDE registration, turnover inspections, tenant notices and your DSCR loan timeline.

Maryland Property Taxes, Insurance and Closing Costs in DSCR Math

How Maryland property taxes, SDAT assessments, recordation and transfer taxes, flood and wind insurance shape your DSCR, with worked examples you can adjust.

Maryland Ground Rent and How It Affects DSCR Financing

What Maryland ground rent is, how it shows up on older Baltimore-area rowhouses, how title and lenders handle it, and how it affects a DSCR purchase.

Getting a DSCR Loan in a Maryland LLC

How Maryland LLCs borrow on DSCR loans: SDAT good standing, operating agreements, personal guarantees, moving title into an entity and what lenders review.