Hard Money & DSCR Lending

Real Estate Lending Built Around YOU

A direct lender for real estate investors: bridge, fix-and-flip, and 30-year rental loans. When a deal is urgent, we get it done.

Submit A Deal → (410) 855-4600
★★★★★ 5.0 · 250+ Google reviews
Since 2016 · Baltimore, MD · Direct lender
Ready When You Are

Just Submit a Deal

Skip the forms. Send us your property and numbers. Our team reviews every deal personally and gets back to you with terms within one business day.

  • No hard credit pull to get your quote
  • Our team reviews every submission
  • Terms in 24 hours, bridge closings as fast as next day
Submit A Deal →

No obligation  ·  Free to submit

$800M+Total Funded
3,500+Loans Closed
Next-DayFastest Close
NationwideDSCR Rental Lending
Why Pimlico

Real Estate Lending Built Around You

We lend our own capital and underwrite every deal in-house, so you get speed, certainty, and a real partner on every loan.

When Timing Matters

Speed

Same-day decisions and closings in as little as five business days. Draws fund the same day too, because your deal goes to whoever can fund it first.

Our Capital, Our Call

A True Direct Lender

The people who fund your deal are the ones who approve it. No middlemen, no investor committees, and no surprise conditions. We've never missed a closing.

Built Around You

Real Relationships

Reach a real person who knows your file, deal after deal. Most of our business is repeat borrowers and referrals, and we lend to keep it that way.

Our Loan Products

Two Ways to Fund Your Next Deal

Whether you're flipping, holding, or refinancing, we have a loan built for it.

Bridge / Fix & Flip

Short-Term Bridge Loans

Move fast on acquisitions and fund rehab with flexible, same-day draws. Built for fix-and-flip and bridge deals across the Eastern U.S.

9.95%Starting Rate
70%Max LTV
6–12 mo.Loan Term
Explore Bridge Loans →
Active renovation project financed with a Pimlico bridge loan
Single-family rental home financed with a 30-year DSCR loan
Rental / DSCR

30-Year Rental Loans

Buy, refinance, or cash out to grow your portfolio. Qualify on the property's cash flow, not your W-2. Available nationwide.

6.25%Starting Rate
80%Max LTV
30 yr.Loan Term
Explore DSCR Rental Loans →
Proud Member — American Association of Private Lenders Member & Business Partner of the Mid Atlantic Real Estate Investors Association BiggerPockets Featured Lender Raise the Bar REI Networking Events — Legacy Sponsor
How It Works

Get Funded in 3 Simple Steps

Our streamlined process means less paperwork, faster decisions, and more time closing deals.

Step 01

Get a Quote

Run your deal through our online rate calculator, or just give us a call and talk it through with a real person.

Step 02

Get a Term Sheet

Our team reviews your deal and puts real terms on paper — your term sheet typically goes out the same day.

Step 03

Get Funded

We handle everything from here: a simple process, a fast close, and your funds ready at the closing table.

Free Investor Tool

The Pimlico Deal Sizer

A no-nonsense excel calculator we built for our borrowers. Plug in purchase price, rehab budget, and ARV to instantly see your max loan, cash-to-close, projected ROI, and break-even rent. Know whether a deal pencils before you tie up a dime.

  • Bridge & rental scenarios, built to match our actual loan products
  • Live MAO & DSCR formulas, the same math our underwriters use
  • Yours to keep: free, no credit pull, no obligation

Trusted by 2,000+ real estate investors from NY to FL.

Get the Deal Sizer (Free)

We'll send it to your inbox within 2 minutes.

Client Testimonials

What Our Borrowers Say

Brian Chance of Chance Development inside a finished renovation
Real Relationships

"It's very easy to be a good lender when everything goes as planned. When it doesn't, Pimlico is there to help."

Brian Chance Owner, Chance Development · 10+ years with Pimlico
Jesse S. of Venture Realty Partners
Speed & Certainty

"It's not uncommon to send Pimlico a deal and get a term sheet back within 45 minutes. Their processes are measured in days, not weeks."

Jesse S. Venture Realty Partners · 10 years with Pimlico
Marta L., realtor and investor
Hands-On Partnership

"Victor met me on site and walked the project with me. Pimlico is with you every step of the way, from day one to the settlement date."

Marta L. Realtor & Investor · Baltimore, MD
5.0 ★★★★★
Based on 250+ Google reviews
★★★★★

"Approved and settled in less than two weeks. The draw process was seamless — funds hit the next business day every time."

P
Perry D.
Verified Google review · Baltimore, MD
★★★★★

"I closed 2 properties with Pimlico. Smooth, simple, and the easiest lender I've ever worked with. A+++++"

M
Michael T.
Verified Google review · Philadelphia, PA
★★★★★

"Best hard money lender I've worked with. Extremely easy to use, receptive, and competitive."

D
Daniel M.
Verified Google review · Northern VA
★★★★★

"Working with Pimlico on my DSCR portfolio has been a game-changer. 8 doors refinanced in 6 months, and every close went exactly as promised."

J
Jessica W.
Verified Google review · Atlanta, GA
★★★★★

"A deal fell through 5 days before closing with another lender. I called Pimlico Tuesday, had a term sheet Wednesday, and closed the following Monday."

B
Brandon K.
Verified Google review · Columbus, OH
★★★★★

"As a broker I've sent 20+ clients to Pimlico over two years. Never a blown closing, never a surprise condition. They communicate better than most banks."

R
Raymond C.
Verified Google review · Mortgage Broker, NJ
★★★★★

"Eli has done 9 separate loans for me and he has been great to work with. He got me great rates and made the process easy. Would definitely recommend."

J
Jesse H.
Verified Google review
★★★★★

"Eli and his team are great. My process was seamless and we got my bridge-to-DSCR done in a flash. These guys definitely have my business for future deals!"

I
Ian A.
Verified Google review
★★★★★

"I worked with Ben and the Pimlico team on a rehab in Baltimore City. They were fast, flexible, and responsive."

D
Donnell H.
Verified Google review
★★★★★

"I brought Michelle a deal and she moved swiftly and got it done in less than 7 days. The experience with the entire team was exceptional."

M
Misha M.
Verified Google review
★★★★★

"Establishing a relationship with financiers is never easy. Pimlico is professional, prompt, and straightforward. The kind of people you want to do business with. Overall 5 stars!"

J
John C.
Verified Google review
★★★★★

"We found the entire team to be responsive, professional, and knowledgeable. Rates and fees were very competitive. We'll be doing more business soon."

V
Vinit A.
Verified Google review
From the Blog

Investor Insights

Practical guides on bridge, DSCR, and fix-and-flip financing, straight from our underwriting team.

View All Blogs

55+ articles on DSCR, bridge loans, fix-and-flip, BRRRR, and more.

No Credit Pull. No Commitment.

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