Maryland DSCR Loan Calculator
Screen a Maryland rental property for modeled DSCR, supportable loan amount, required rent, PITIA or ITIA, purchase cash to close, and cash-out refinance proceeds.
Verify lender and local rules. This page localizes tax and insurance defaults for Maryland; it does not determine DSCR loan approval, state prepayment-penalty treatment, STR legality, entity eligibility, reserves, or lender overlays.
Maryland DSCR assumptions
The calculator seeds Maryland with a starting property value of $415,000.00, starting rent of $1,700.00, annual property tax based on a 0.92% effective rate, and estimated annual insurance of $2,277.00.
STR note: No statewide restrictions. Baltimore City, Montgomery County, and Ocean City have STR regulations. Ocean City has specific seasonal rental rules. Baltimore City STR ordinance is evolving. DSCR lenders that use STR income may apply their own eligibility, documentation, and haircut rules on top of local restrictions.
Market context: Baltimore City (cash flow, deeply affordable SFR/small multi, but high crime and lead paint compliance burden). Baltimore County/Anne Arundel County (suburban Baltimore, hybrid). Prince George's County (DC suburb, strong rental demand, affordable relative to Montgomery). Frederick/Frederick County (I-270 corridor, growing, hybrid). Hagerstown/Washington County (most affordable, cash flow).
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