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, closed in about 5 business days.

Submit A Deal → (410) 855-4600
★★★★★ 5.0 · 250+ Google reviews
Since 2010 · 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 credit pull, soft review only
  • Our team reviews every submission
  • Terms in 24 hours, close in about 5 business days
Submit A Deal →

No obligation  ·  Free to submit

$800M+Total Funded
3,500+Loans Closed
5 DaysAvg. to Close
13+Lending States
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.

Memberships & Industry Recognition
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
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.

9.95%Starting Rate
70%Max LTV
6–18 mo.Loan Term
Explore Bridge Loans →
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.

6.25%Starting Rate
80%Max LTV
30 yr.Loan Term
Explore DSCR Rental Loans →

Looking for a direct hard money loan? That's our bridge loan by another name: same product, same team.

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

Submit a deal with our online rate calculator, or just give us a call. No credit pull required.

Step 02

Get Pre-Approved

Submit an application. Our team reviews and issues a pre-approval letter within 24 hours.

Step 03

Get Funded

We handle the rest. Close in about 5 business days and get your funds 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

Investor touring a finished Baltimore renovation funded by Pimlico Capital Finished flip tour
Victor Akinnagbe of Rebirth Development Victor A. · Rebirth Development
Why building a client relationship is important — Pimlico Capital Real Relationships
5.0 ★★★★★
Based on 250+ Google reviews
Read all reviews on Google →
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.

Ready to Fund Your Next Deal?

Get an instant, no-obligation rate quote in under 60 seconds.

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