--- title: Maryland Fix and Flip Loan Calculator | Snapshot + Deal X-Ray | IFL description: Free Maryland fix and flip loan calculator. Type the address, public records fill in, and see your tier, cash to close and payoff in a few taps. image: https://www.investorsfirstlending.com/hubfs/ifl-site/ifl-share-fuel-flow-flip.png --- [![Investors First Lending](https://www.investorsfirstlending.com/hubfs/ifl-site/ifl-logo-dark-v2.png)](https://www.investorsfirstlending.com/?hsLang=en) [888-241-FUND](tel:8882413863) [FUEL](https://www.investorsfirstlending.com/fuel?hsLang=en) [FLOW](https://www.investorsfirstlending.com/#tiers) [FLIP](https://www.investorsfirstlending.com/#tiers) [Snapshot](https://www.investorsfirstlending.com/snapshot?hsLang=en) [Calculator](https://www.investorsfirstlending.com/#cash) [The Desk](https://www.investorsfirstlending.com/the-desk?hsLang=en) **Cash you don't tie up$0** ✓ FIX & FLIP SNAPSHOT · 1 OF 6 · NO SIGN-UP Back DEAL X-RAY · 2 OF 6 # X-ray your deal. Type the address. We pull the Maryland public record in a second. PRIVATE · Tap the eye to hide it on screen. Your deal goes to IFL only. Never shared or shopped. **DEAL X-RAY** Wrong or missing? Tap ✎ and fix it. Your corrections go straight to the desk. Looks right. Run my numbers No address yet? Skip Back ✓ Your Snapshot. Drag the numbers to match your deal. **LEVEL** **CASH YOU DON'T TIE UP** $0 Cash a typical monthly-pay loan would need before you sell (down payment, closing costs, 6 monthly payments). That difference stays free for your next deal. **Not profit:** IFL interest, points and fees are paid at payoff. **DEAL P&L (ESTIMATE)** After-repair value Purchase + rehab IFL cost (interest, points, fee) Closing costs (about 5% of purchase) Selling costs (about 6% of ARV) **Est. profit** Your cash in Profit on your cash Illustration only, not a projection, offer or advice. Holding costs (taxes, insurance, utilities) not included. Assumptions: 12% fixed · 2 points + $1,850 · 6-month term · closing costs about 5% of purchase · selling costs about 6% of ARV. cash to close $0 due monthly loan amount paid at sale (6 mo) **TRY EACH LEVEL** FUEL FLOW FLIP **Tune your deal** **PURCHASE** **REHAB · FUNDED 100%** **AFTER-REPAIR VALUE** $0 cash to close $0 not tied up 0% loan / ARV **SAME DEAL · CASH TO CLOSE** **FUEL** **FLOW** **FLIP** **EXAMPLE** LIKE THESE NUMBERS? ## Make them real. **✓ Term sheet on this exact property** **✓ Your level confirmed by a decision-maker** **✓ Call back within 1 hour (8am–8pm)** **✓ Deal X-Ray attached · address protected** Company website First name Mobile (fastest) Email (or skip if you gave mobile) Yes, Investors First Lending may text me about my deal at the number above. Consent is not required to get a loan. Msg frequency varies; msg & data rates may apply. Reply STOP to opt out, HELP for help. [Text terms](https://www.investorsfirstlending.com/terms#sms) · [Privacy](https://www.investorsfirstlending.com/privacy?hsLang=en). We never share or sell your mobile number. Add your mobile or email so we can reach you. Send this deal to the desk By sending, you confirm this is an investment property for business purposes (not a home you'll live in) and agree to our [Terms](https://www.investorsfirstlending.com/terms?hsLang=en) and [Privacy Policy](https://www.investorsfirstlending.com/privacy?hsLang=en). This is an estimate, not a loan application or commitment. No obligation. Prefer to talk? [888-241-FUND](tel:8882413863) **On the desk.** **Got it. A decision-maker calls within 1 hour (8am–8pm).** X-ray another deal Estimate only, not a loan commitment. Deal X-Ray data comes from Maryland SDAT public assessment records, FEMA flood maps and Baltimore City open data, and may be out of date. Closing costs estimated at 5% of purchase. "Cash you don't tie up" and "Example" compare cash out before sale with an example monthly-pay loan (10% down, 90% of purchase, 9% paid monthly for 6 months, plus closing costs); not any specific lender's offer and not total cost. IFL: 12% fixed, 2 points + $1,850, 6-month term; FUEL/FLOW interest deferred to payoff; FLIP adds a 6-month payment escrow to the loan. $100K minimum loan. Business-purpose loans to Maryland LLCs on non-owner-occupied property. Level confirmed in underwriting. ![Investors First Lending](https://www.investorsfirstlending.com/hubfs/ifl-site/ifl-logo-dark-v2.png)**Common sense lending for real estate investors.** **Loans**[FUEL](https://www.investorsfirstlending.com/fuel?hsLang=en)[FLOW](https://www.investorsfirstlending.com/#tiers)[FLIP](https://www.investorsfirstlending.com/#tiers)[Snapshot](https://www.investorsfirstlending.com/snapshot?hsLang=en) **More**[The Desk](https://www.investorsfirstlending.com/the-desk?hsLang=en)[Calculator](https://www.investorsfirstlending.com/#cash)[Privacy](https://www.investorsfirstlending.com/privacy?hsLang=en)[Terms](https://www.investorsfirstlending.com/terms?hsLang=en)[Text message terms](https://www.investorsfirstlending.com/terms#sms) **The desk**[888-241-FUND](tel:8882413863)nick**@investorsfirstlending.com**57 W. Timonium Rd., Suite 105A, Timonium, MD Residential investment real estate lending for seasoned operators with Maryland-registered LLCs. Business-purpose loans on non-owner-occupied Maryland property only; not for consumer, personal or owner-occupied use. All terms subject to underwriting and approval; tier confirmed in underwriting. 12% fixed, 2 points + $1,850 fee, 6-month term. FUEL/FLOW interest deferred and paid at payoff. FLOW funds up to 100% of purchase (some deals 90–95%). FLIP: none due monthly; a payment escrow of about 6 months of interest is added to the loan; up to 100% of purchase when the loan is under 70% of ARV. Extensions: FUEL/FLOW 1.5 points per 2 months; FLIP 1 point per 2 months. 2-day close and no appraisal apply to qualified deals. Illustrations are estimates, not commitments or offers to lend. All loans are made at IFL's sole discretion. Investors First Lending is a d/b/a of MNB Holdings LLC, a Maryland limited liability company. We do not make consumer loans or loans on homes the borrower lives in. © 2026 MNB Holdings LLC. All rights reserved.​‌​‍ Snapshot™ and Deal X-Ray™ are trademarks of MNB Holdings LLC; site content, design and tools are proprietary and may not be copied, scraped or used to train AI. [Snapshot](https://www.investorsfirstlending.com/snapshot?hsLang=en)[Message](https://m.me/100095278218819)[Call](tel:8882413863) ```json { "@context" : "https://schema.org", "@id" : "https://www.investorsfirstlending.com/#org", "@type" : "FinancialService", "address" : { "@type" : "PostalAddress", "addressCountry" : "US", "addressLocality" : "Timonium", "addressRegion" : "MD", "postalCode" : "21093", "streetAddress" : "57 W. Timonium Rd., Suite 105A" }, "alternateName" : "IFL", "areaServed" : { "@type" : "State", "name" : "Maryland" }, "description" : "Direct private lender of business-purpose fix and flip loans in Maryland: 100% rehab funded, FUEL and FLOW with $0 monthly payments, 12% fixed, 2 points + $1,850, 6-month term.", "email" : "nick@investorsfirstlending.com", "hasOfferCatalog" : { "@type" : "OfferCatalog", "itemListElement" : [ { "@type" : "Offer", "itemOffered" : { "@type" : "LoanOrCredit", "description" : "100% purchase and 100% rehab wired at closing, interest deferred to payoff, up to 70% of ARV. For operators with 18+ flips a year.", "interestRate" : 12, "loanTerm" : { "@type" : "QuantitativeValue", "unitCode" : "MON", "value" : 6 }, "name" : "FUEL" } }, { "@type" : "Offer", "itemOffered" : { "@type" : "LoanOrCredit", "description" : "Up to 100% purchase, rehab via draws (first 3 free), $0 monthly, up to 75% of ARV. For operators with 8 to 17 flips a year.", "interestRate" : 12, "loanTerm" : { "@type" : "QuantitativeValue", "unitCode" : "MON", "value" : 6 }, "name" : "FLOW" } }, { "@type" : "Offer", "itemOffered" : { "@type" : "LoanOrCredit", "description" : "Up to 90% purchase, 100% rehab via draws, 6 months of interest escrowed, up to 70% of ARV. For operators with 3 to 7 flips a year.", "interestRate" : 12, "loanTerm" : { "@type" : "QuantitativeValue", "unitCode" : "MON", "value" : 6 }, "name" : "FLIP" } } ], "name" : "Fix and flip loans" }, "image" : "https://247751019.fs1.hubspotusercontent-na2.net/hubfs/247751019/ifl-site/ifl-logo-color.png", "legalName" : "MNB Holdings LLC", "logo" : "https://247751019.fs1.hubspotusercontent-na2.net/hubfs/247751019/ifl-site/ifl-logo-color.png", "name" : "Investors First Lending", "sameAs" : [ "https://www.facebook.com/100095278218819" ], "telephone" : "+1-888-241-3863", "url" : "https://www.investorsfirstlending.com/" } ```