Ground-up construction loans for builders and investors developing new properties in Maryland. Finance up to 85% of your land purchase and 85% of construction costs on a single loan. Rates from 10%, non-Dutch interest, and land doesn't need to be permitted to qualify. Loans $100K to $7.5M.
SLA Capital — a Sir Lends A Lot LLC Company
A new construction loan is short-term financing for building a property from the ground up. It typically covers land acquisition, vertical construction, and an interest reserve on a single loan, with construction funds disbursed via draws as the build progresses through inspection milestones. Once construction is complete, the loan is paid off through a sale of the finished property or refinanced into long-term financing.
Maryland delivers two rental strategies: DC-metro commuter belts (Prince George's, Montgomery) for premium LTR to federal/biotech workers, and Baltimore SFR for cash-flow yield. Both work — pick your play.
Prince George's and Montgomery counties are core DC-metro commuter belts. Rental demand from federal workers, contractors, and biotech/pharma employees stays consistent.
The Maryland side of the DC metro hosts NIH, FDA, NSA (Fort Meade), and a deep biotech corridor (Bethesda, Rockville, Gaithersburg). Stable long-term employment.
Baltimore City and County offer deep SFR inventory with real cash-flow opportunity for portfolio investors focused on income.
Whether you're closing a single-asset SFR in a smaller Maryland market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Baltimore County + Baltimore City
DC-metro commuter belt + Bowie, Laurel, Upper Marlboro
Rockville, Silver Spring, Gaithersburg, Bethesda — DC-metro
Frederick County — Western Maryland
Anne Arundel County — state capital + USNA demand
Washington County — Western MD SFR
Wicomico County + coastal markets
Statewide coverage — send us any Maryland property
Same nationwide program, no state-specific surcharges.
Up-front pricing on every loan. The rate you're quoted is the rate you close at — no surprises at the closing table.
Up to 85% of the land purchase price plus 85% of construction costs. High leverage that keeps your capital deployable.
Pay interest only on the funds you've actually drawn, not on the undrawn balance. Keeps carrying costs down during early build phases.
Choose the term that fits your build schedule. Straightforward extensions available on active projects.
Land does not need to be permitted or warranted before loan approval. Get under contract and permit in parallel.
From single infill lots to multi-unit projects across Maryland. Same clean underwriting from starter builds up to $7.5M.
Yes. SLA Capital funds New Construction loans throughout Maryland — Baltimore Metro, Prince George's County, Montgomery County, Frederick, Annapolis, and every other MD metro. Rates from 10%, up to 85% land + 85% construction.
SLA Capital finances up to 85% of the land purchase plus 85% of construction costs in Maryland. Loans range from $100,000 to $7,500,000.
No. SLA Capital does not require the land to be permitted or warranted before loan approval. Get under contract and start underwriting in parallel with permitting.
Non-Dutch interest — borrowers pay interest only on funds that have been drawn, not on the undrawn balance. This keeps carrying costs down during early build phases when most of the loan hasn't been disbursed yet.
Maryland delivers two rental strategies: DC-metro commuter belts (Prince George's, Montgomery) for premium LTR to federal/biotech workers, and Baltimore SFR for cash-flow yield. Both work — pick your play.
Send us the property. Our sizer returns a real term sheet in minutes.
Long-term rental financing for Maryland investors. Rates from 5.75%, up to 80% LTV, 3-month seasoning on cash-outs.
Short-term purchase + rehab financing across every Maryland metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.