Hard Money Loans in Annapolis, MD

Why Annapolis Is a Smart — but Premium — Market

Annapolis isn’t a budget-friendly investment market — and that’s exactly why experienced investors gravitate toward it. It is competitive, high-demand, water-adjacent, and historically resilient. Recent market data underscores this strength: the median sale price in Annapolis sits around $547,500 and the average home value is approximately $606,472, reflecting steady year-over-year appreciation. Homes also move quickly, with properties going under contract in about 13 days, which is unusually fast for a premium market. Forecasts for the Annapolis and Anne Arundel County region project continued appreciation in the 3–4% range into 2025. Together, these factors paint a picture of a market where entry prices may be high, but the demand for quality, turnkey homes remains consistently strong.

For investors, this means opportunities lie in thoughtful execution and speed. Buyers in Annapolis expect elevated design, strong finishes, and respect for the city’s historic character, so well-renovated homes can achieve impressive ARVs and short exit timelines. Quick decision-making, particularly in neighborhoods like downtown Annapolis, Eastport, and other water-proximate areas, is often the deciding factor between winning and losing a deal. For live market data, you can explore the latest trends here:

Reasons to Love Annapolis (Especially as an Investor)

Annapolis is one of Maryland’s most unique cities — part water-front charm, part historic downtown, part vibrant suburban appeal. For real estate investors, it offers a market with both stability and upside.

1. Strong, Stable Buyer Demand

Government employees, Naval Academy staff, boating enthusiasts, retirees, and DC commuters all compete for the same limited inventory.
This creates consistent underlying demand, even during market slowdowns.

2. Limited Inventory + Older Housing Stock = Investor Opportunity

Much of Annapolis’s housing stock is older, which means:

Buyers hungry for renovated, move-in-ready homes

More fix-and-flip opportunities

Higher ARV upside with modern layouts

• Buyers hungry for renovated, move-in-ready homes

3. Speed of Market

Homes go pending in ~13 days — extremely fast for a higher-price market.
Well-executed rehabs don’t sit.

4. Year-Round Lifestyle Appeal

Annapolis isn’t seasonal like beach towns. Demand is supported by:

• The U.S. Naval Academy
• State government
• Strong boating/marine community
• Historic tourism
• Proximity to Baltimore, DC, and Fort Meade

This creates steady, predictable demand for rentals and renovated homes.

5. High-Quality Buyers With High Expectations

This is a premium market with strong median incomes.
Investors who deliver thoughtful renovations, higher-end finishes, and smart layouts tend to outperform others.

6. A Mix of Urban, Waterfront, and Suburban Micro-Markets

Whether you’re working in Eastport, Parole, Hunt Meadow, Admiral Heights, Colonial Annapolis, or the Broadneck Peninsula, each submarket offers its own demographic, price band, and exit opportunity.

Our Experience Lending in Annapolis

New Funding Resources has lent on numerous projects in Annapolis and Anne Arundel County, including:

• Fix-and-flip homes needing structural upgrades
• Waterfront-adjacent rehabs
• BRRRR projects near the Naval Academy rental market
• Condo renovations in older 1970s–1990s buildings
• Cash-out loans to complete half-finished renovations

We understand the permit timing, the historical district requirements, the variability in property conditions, and the highly specific buyer expectations. Our underwriting in Annapolis is shaped by real, repeat experience in this market — not guesswork.

Private Hard Money Financing for Real Estate Investors

In this thriving locale, Delaware beach real estate investors have opportunities aplenty. New and experienced investors can find a variety of money-making opportunities, whether it’s a seaside residence perfectly suited for beach-house gatherings, a low-maintenance ranch, or a historic home with splendid architectural charm. New Funding Resources provides competitively priced private financing to investors ready to purchase and rehab investment properties. 

Thinking about investing in Delaware Beach real estate?

If you’re thinking about investing in Delaware Beach real estate, you’re going to need a private lender that is quick and flexible. Essentially, the Delaware coast real estate market is hot. The average sale prices are up in 2021 compared with previous years. Additionally, days on the market are down. For example, in Rehoboth Beach, DE, homes were on the market an average of 53 days in August 2021, compared with 72 days in August 2020 and 102 days in 2019.

With the right timing, the right offer, and guidance from the right hard money lenders in Delaware, you’ll wind up with the ROI you covet.

Why Choose Us as Private Hard Money Lenders in Delaware?

Understanding Hard Money Loans

A Hard Money Lenders’ Focus is Profitability

A hard money loan is a private loan that is used to buy and rehab real estate properties that are distressed or dilapidated. These loans are not used for financing primary residences. Instead, hard money loans are specific to real estate investments. Traditional lenders aren’t so quick to finance these real estate opportunities because of the risk involved. Private lenders like New Funding Resources foresee the profitability of these real estate opportunities. We focus on determining the borrower’s ability to complete the necessary renovations, resell the property at a profit, and repay the loan.

Fast Loan Approval & Flexible Lending Guidelines

Unlike a conventional bank or credit union loan, hard money loans are not subject to extensive regulations and requirements. Investors seek out hard money loans as an alternative to conventional mortgage loans because there are fewer hoops to jump through.  For example, New Funding Resources doesn’t require minimum credit scores and doesn’t ask its clients to provide a stack of tax returns.

Compared with a conventional loan that often takes loads of documentation and weeks to secure, hard money loans from New Funding Resources are streamlined and fast. Essentially, hard money lenders like us can close on a deal in one or two weeks. We offer fast and flexible lending processes and quick loan approval to close within days.

What Sets Us Apart as Hard Money Lenders in Delaware?

We know the Mid-Atlantic: Based in Gaithersburg, Maryland, New Funding Resources understands real estate investment in the Mid-Atlantic Region and specifically, in the First State. Whether you’re investing in Rehoboth Beach, Bethany, Lewes, Dewey Beach, Fenwick Island, or another Delaware community, you are assured of our local expertise and legitimate advice. We are the financing partner who can enable you to improve the local community and make money by investing in Delaware’s Atlantic Coastal Plain.

We work with investors one-one-one: We are the epitome of personal service when buying and rehabbing properties and growing portfolios. We service our private loans in-house. Because of this, our team maintains contact with you throughout the entire hard money lending process. Reaching decision-makers is quick and convenient. We work closely with borrowers to evaluate property potential. Furthermore, we continue to support them past the closing date and into the renovation stage, helping them manage construction escrows and keeping the rehab project moving along.

We are investors ourselves: We understand real estate investment in Delaware and the Atlantic Coast because we’ve been in your shoes. Our focus is ROI, specifically how to improve ROI while also avoiding unnecessary risk. You have dreams to fulfill and a portfolio to build, and we have the money to lend. Together, we can close more deals and bring your dreams to fruition.

We aren’t your typical lender:  New Funding Resources is not driven by credit scores. Thus, no minimum credit core is required. Plus, loan approval is not based on income. Of course, we seek out investors who meet their financial obligations. However, we aren’t tied to conventional lending standards, which gives first-time and low-on-funds investors a fighting chance. We approve private hard money loans for Delaware investors who are well-positioned to turn a profit. Borrower success is our No. 1 principle. Basically, borrowers can be pre-approved for a hard money loan in Delaware within 24 hours and close on the deal within days.

Are you considering property investing in Delaware? Let’s talk!

New Funding Resources helps investors like you finance properties for successful fix-and-flip and buy-and-hold strategies. As hard money lenders in Delaware, we will work with you to rehab homes, add to your portfolios, and build long-term wealth. We are ready to talk, regardless of your investment experience.  If you’re looking for a reliable and reputable source of funds for residential and commercial property renovation at Delaware beach, contact us today.