Mark’s Long View Pays Off

Borrower Stories | DMV Region | May 2026

Born in Pikesville, MD, Mark grew up in a family rooted in the automotive business. His father was a car dealer, but Mark knew his future lay elsewhere. After graduating from the University of Maryland, he got a job with Consumer Life Credit, where he was first introduced to the world of real estate.

From 1982 through the next decade, Mark worked alongside several prominent Maryland real estate families, gaining hands-on experience that shaped the foundation of his career. Reflecting on those years, Mark says, “I got my doctorate in real estate from those families.”

The economy went sour in 1993 and Mark found himself needing to pivot, so he set out on his own and started Rock Realty LLC. “I told myself I wasn’t going to pioneer land or build houses,” Mark recalls. “But of course, those were the first two developments I was involved with as an owner…I always took the long view.”

Early in his career, Mark was fortunate to meet a partner who initially financed the majority of their projects. As the company grew and success followed, the partnership evolved into an equal 50/50 relationship. To date, Mark and his partner have built dozens of commercial projects, and the company owns 4000 lots that feed their ever-growing development pipeline.

Mark has known Pete Pecoraro, Spring Garden Lending’s Senior Vice President and Market Leader in Baltimore, for years. When it came time to finance a 63-unit age-restricted community in Howard County—followed by another 78-unit age-restricted development in late 2025—the decision to work with Pete and his team was an easy one.

So why choose Spring Garden Lending? Mark explains, “Pete knows us and knows us to be trustworthy and transparent. Predevelopment projects are a challenge…but not with Spring Garden Lending. Their approval process is easier to deal with, allowing me to orchestrate how and when I develop the land. I would rather spend more up front and make it up in spades when I have my ducks in order. Spring Garden Lending requires fewer steps allowing us to move quickly. “

When asked if he will work with Spring Garden Lending again, Mark’s answer was immediate: “Absolutely!”

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In this challenging market, Spring Garden Lending is doing our part financing developers like Mark who works hard to provide good, affordable housing options and opportunities for all home buyers. Spring Garden Lending is proud to support developers like Mark—delivering fast closings, flexible terms, and real partnership every step of the way.

– Scott Nicholson, DMV Region Market President