Pimlico Capital

Pimlico Capital is a private lender based in Baltimore, Maryland, offering flexible funding solutions for real estate investors. They provide bridge loans, fix-and-flip financing, and long-term rental loans, servicing properties nationwide with an efficient underwriting process and minimal documentation requirements.

Direct Hard Money Lender for Real Estate Investors

Pimlico Capital is a direct lender that provides real estate investors a flexible and efficient process with quick turnaround times, minimal documentation, and unmatched personalized service. Pimlico Capital offers a variety of loan product options including: Single asset residential fix-and-flip, Single family long term rental, Portfolio lending for single & Multi-family Up to 10 Units, Commercial real estate bridge loans.

Short-Term Bridge Loans in the East Coast

Our lending program is a bit more flexible for properties in the East Coast states where we have more experience:

New York Metro Area, DMV Region, Carolinas, Florida
No formal appraisals – We do in-house valuations and may drive to the property
SFR, Multifamily, Commercial Properties (see list below)
Legal fee of $795 and points are the only fees we typically charge for short-term loans
Bridge loans up to 70% LTV
Fix & flip or rent-to-rent loans up to 90% LTC and 70% ARV
- 4 free draws for rehab projects

DSCR Long-Term Loans Nationwide

We offer long-term financing for real estate investors and multifamily properties up to 10 units in urban/suburban areas in 46 states. See our guidelines below.

Common Loan Scenarios

Bridge, Rehab, Flip, DSCR, Construction
Rehab Projects up to 90% Loan-to-Cost
LTV / ARV up to 70% for bridge loans
In-house valuation for most bridge loans

Scenarios Not Considered

Owner-Occupied Homes
100% Financing or Gap Loans
Land Loans
Rural Areas

Details and Requirements

Property Geographic Area Details

We lend in the Eastern States for short-term bridge loans and nationwide (except 4 states) for DSCR long-term rental loans.

Loan Amounts

$75,000 to $5,000,000

Interest Rates

10.5% to 12%

Origination Fees

2% to 3%

Loan Terms

3 to 360 months

Lien Position

1st

Credit Check Required

yes

Credit Check Details

Minimum 600 FICO score required. For short-term loans we are flexible when it comes to credit scores. For long-term rental loans, the minimum score is 660.

Minimum Credit Score Required

600

Prepayment Penalty

yes

Prepayment Penalty Details

3 months for short-term loans. 30-year rental loans typically have a step-down pre-pay penalty of 3-5 years.

Typical Closing Time (Days)

Fastest Closing Time (Days)

Payment Structure

Interest Only
Amortized

Payment Structure Details

Short-term bridge loans are interest only

Maximum Units for Multifamily Properties

We only have a maximum number of units for long-term loans. For short-term loans, the number of units is only limited by our maximum loan amount.

Personal Guaranty (Recourse) Required

Always

Borrower Entity Types Considered

Individual(s)
LLC
Limited Partnership
Trust

Documentation Required

Credit Report
Loan Application

Appraisal Required for Residential Property

Sometimes

Appraisal Required for Commercial Property

Sometimes

Broker Price Opinion (BPO) Accepted for Residential Property

Never

Broker Price Opinion (BPO) Accepted for Commercial Property

Never

Will Consider Collateralizing Multiple Properties in One Loan

yes

Will lend to a foreign national

yes

Foreign investors must have a tax ID number and US bank account.

Will Allow Junior Position Mortgage(s) Behind Our Senior Mortgage

Will Consider Equity Joint Venture

Collateral Types

Residential Property
Commercial Property

Loan Purpose

Investment Acquisition
Investment Refinance
Improve Subject Property
Value Add Project

Property Occupancy

Vacant
Tenant Occupied 100%

Last updated: June 16, 2026

Legal Disclaimer

Loan terms subject to change without notice.

Pimlico Capital’s Lending Activity

Data Provided By Elementix

12mo Loan Volume

$108,669,996

12mo Loan Count

491

Total Loan Volume

$808,716,810

Average Loan Size

$238,208

Loan Count by State (Past 12 Months)

MD: 416, NJ: 16, PA: 17, FL: 9, GA: 13, OH: 10, NC: 3, DC: 4, NY: 2, MO: 1

Data provided by

| Disclaimer

Pimlico Capital is a Maryland-based direct private lender that offer financing solutions to real estate investors in the Eastern United States using in-house capital and in-house underwriting.

Company Quick Facts

Legal Entity: Pimlico Group, LLC
Company Type: Direct Private Lender
Year Founded: 2015
Headquarters: Baltimore, Maryland
Service Area: Eastern U.S.
Primary Borrowers: Real estate investors, landlords, and professional real estate operators
Primary Loan Programs: Bridge Loans, Fix & Flip, DSCR Rental Loans
Property Types: Residential 1-4 units, small multifamily 5-10 units
Competitive Advantage: Operates with in-house capital and underwriting rather than outsourced funding decisions

Office Locations

2850 Quarry Lake Drive, Suite 160, Baltimore, Maryland 21209

Connect with Pimlico Capital:

Our Team

Victor Lipnitsky

Managing Director

Aron Yehuda

Director of Real Estate Finance

Yossi Lurman

Director of Operations

Carl Schwartz

President of Sales & Marketing

Abby Weinstock

Dir. of Rental Loans / Dir. of HR

Our minimum loan amount is $75,000

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