Do you finance fix and flips in Boston?

Yes. We finance up to 100% of the purchase price and up to 100% of the rehab budget on eligible investment properties, subject to an after-repair value cap.

Do you offer DSCR loans in Massachusetts?

Yes. Our DSCR loans are 30-year fixed and qualify on the property's rental income, with up to 80% LTV on purchases, a 680+ FICO and no tax returns or W-2s.

Do you finance triple-deckers?

Yes. Two- and three-family homes can be financed for renovation with a fix and flip loan or for long-term rental with a DSCR loan.

Can I get a construction loan in Massachusetts?

Yes. Shovel-ready residential projects can be financed up to 90% of total cost, covering land, horizontal development and vertical construction.

Can I use these loans for my own home?

No. Our loans are business-purpose financing for non-owner-occupied investment property.

How long does a Massachusetts closing take?

Most loans close in 5 to 10 business days once title, the municipal lien certificate and valuation are complete.

Do I need to plan for lead paint?

If the home was built before 1978 and children under six will live there, the Massachusetts Lead Law can require inspection and abatement, so include it in your budget.

Our Home StateHard Money & DSCR

Massachusetts Hard Money & DSCR Lenders

Massachusetts is where our office is. From our Canton location we finance fix and flips, multi-family renovations and long-term rentals from Greater Boston to the Pioneer Valley and the South Coast.

Get Funded in MA Call 1-800-674-3804

Hover or tap a pin to explore markets

100%

LTC on purchase + rehab

80%

Max LTV on DSCR purchase

5–10

Business days to close

Canton

Massachusetts office

Local Markets

Where We Lend Across Massachusetts

Each region has its own housing stock and investor playbook. These are the markets we hear about most.

Greater Boston

Two- and three-family renovations in a high-cost, low-inventory market.

Dorchester
Roxbury
East Boston
Hyde Park
Mattapan

South Shore & Brockton

Multi-family rentals and single-family flips close to our Canton office.

Brockton
Quincy
Randolph
Weymouth

Merrimack Valley

Older mill-city multi-families suited to renovate-and-hold plans.

Lowell
Lawrence
Haverhill
Methuen

South Coast

Triple-deckers and rental properties at lower entry prices than Boston.

New Bedford
Fall River
Taunton

Central Massachusetts

Triple-deckers and student rentals. See our Worcester County page.

Worcester
Fitchburg
Leominster

Pioneer Valley & Berkshires

Rental-focused investing and smaller-town renovations in the western part of the state.

Springfield
Holyoke
Chicopee
Pittsfield

Available in Massachusetts

Massachusetts Loan Programs

Match the loan to your plan for the property.

Hard Money Loans

Finance up to 100% of purchase and rehab on Massachusetts flips, subject to an after-repair value cap.

DSCR Loans

Hold rentals on a 30-year fixed loan qualified on rent, with no tax returns or W-2s.

Ground-Up Construction Loans

Fund entitled land, site work and vertical construction on shovel-ready projects.

Multifamily Bridge Loans

Buy and renovate 5–10 unit buildings before the rents are stabilized.

Local Insight

What Massachusetts Investors Should Plan For

Much of the state's housing is old, so plan for the Massachusetts Lead Law when children under six will live in a pre-1978 rental. Inspection and abatement can affect both your rehab budget and your timeline, so address them before you price the deal.

Closings here run through attorneys, who clear title and obtain municipal lien certificates. Build that step into your schedule, and request the municipal lien certificate early so unpaid charges don't surface at the closing table.

General information only, not legal advice. Confirm local rules with your closing attorney or title company.

Two- and three-families

A core Massachusetts asset type for both renovation and long-term hold.

Local permitting

Rules and timelines vary by city and town, so check them against your schedule.

In-state team

Talk to a lender based here, at our office in Canton, MA.

Your Route to Closing

How We Fund Massachusetts Deals

1
Tell us the deal
Share the address, price and your renovation or rental plan.
2
Approval same day
Decisions are made in-house, typically the same day.
3
Attorney and title
Your attorney clears title and the municipal lien certificate.
4
Close
Most loans close in 5 to 10 business days.