Hard Money Loans in Massachusetts
Massachusetts hard money loans designed for fix-and-flip projects and new construction. Fund your property purchases, cover rehab costs, and build from the ground up—perfect for both new and experienced investors looking to maximize returns.
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Why Choose Us for Hard Money Loans in Massachusetts
We provide fast, reliable, and flexible hard money loan solutions tailored for real estate investors in Massachusetts. Whether you’re funding a fix-and-flip, renovation, or new construction project, our team ensures quick approvals, competitive rates, and personalized terms.
Competitive Terms
We offer competitive terms on investment property loans in Massachusetts. Fix-and-flip loan rates typically range from 10.5% to 11.25% with origination fees between 1.5% and 2.99%. DSCR loans are available at rates from 6.5% to 7.99% with a 1.0% origination fee.
Simple Online Application
Real estate investors can apply online, receive pre-approval, or book a quick call in just a couple of minutes. Getting started is fast and hassle-free.
Quick Turnaround
Our team is ready to assist you. Submit a Quick Application or Pre-Approval, and we’ll respond within 1 business hour. Funding for your project can be completed in as little as 7 days.
Reliable Financing
Integrity and honesty are at the core of our work. When we approve a loan, you can count on closing on time.
Massachusetts Hard Money Loan Products
Massachusetts Fix-and-Flip Loans
Loans for Property Purchase & Renovation
Loan Amount: $50,000 – $3,000,000
Interest Rate: 10.5% – 11.25%
Origination Fee Starting at 1.5%
Finance Up to 90% of Purchase Price & 100% of Rehab Costs
Beginner-Friendly Fix & Flip Loans
Massachusetts DSCR Loans
30-Year Financing for Rental Properties
Maximum Loan: $2,000,000
Interest Rate: 6.25% – 7.99%
Origination Fee Starting at 0%
Up to 80% Loan-to-Value
Suitable for Short-Term & Long-Term Rentals
Massachusetts Ground-Up Construction
For New Builds & Completion Projects
Loan Amount: Up to $3,000,000
Interest Rate: 10.99% – 12.25%
Origination Fee Starting at 2.0%
Finance Up to 75% of Purchase & 100% of Construction Costs
Up to 90% of Loan-to-Cost
State
Massachusetts
Loan Type
Fix and Flip
Loan Amount
$485,500
Loan Amount (if applicable)
85% of Purchase + 100% Of Rehab
Rate
11.00%
Points
2.55%
Massachusetts Deal Summary
This 4-bedroom, 3-bathroom home in Mansfield presented a strong BRRRR investment opportunity. Purchased for $485,000, the investor allocated $80,000 for renovations to modernize the property and boost its rental appeal. With an after-repair value (ARV) of $350,000 and high local rental demand, the project offered a promising route to profitability. Financing was provided to support the investor’s growing experience.
Key Highlights:
Strong LTV: Financing covered 82.5% of the $185,000 purchase price and 100% of the $80,000 renovation costs.
Proven Borrower: The investor had successfully completed one prior project, demonstrating their capability to execute a BRRRR strategy.
Refinance-Ready ARV: With an estimated ARV of $350,000 and potential rental income of $2,400 per month, the property was well-positioned for a cash-out refinance.
Frequently Asked Questions
How Do You Qualify for a Hard Money Loan in Massachusetts?
To be eligible for a hard money loan in Massachusetts, borrowers typically need to meet the following requirements:
A minimum credit score of 640 or higher
A strong investment opportunity with at least a 10% return on investment (ROI)
An active LLC or corporation registered in the state of Pennsylvania
Which property types are eligible for hard money financing in Massachusetts?
Hard money financing in South Carolina can be used for several types of real estate investments, such as:
Single-family and small residential properties (1–4 units)
Medium-sized multifamily properties (5–25 units)
Certain commercial real estate projects
What interest rates and loan terms are available for hard money loans in Massachusetts?
Interest rates for hard money loans in Massachusetts typically vary based on the borrower’s experience and credit profile. Rates generally range between 10.5% and 11.5%. For fix-and-flip projects, the average rate is around 10.75%, offered as an interest-only loan with no prepayment penalty.
How is the loan-to-value (LTV) calculated for hard money loans in Massachusetts?
The loan amount is determined using several factors related to the project and investor profile. In general, first-time investors may qualify for financing of up to 80% of the purchase price plus 100% of the renovation costs. More experienced investors can access higher leverage, with financing of up to 90% of the purchase price along with 100% of the rehab budget.
Can a hard money loan be used for rental properties in Massachusetts?
Yes, a hard money loan can be used to acquire and renovate a rental property in Massachusetts. Once the property is stabilized, it can be refinanced into a DSCR loan. If the property is already rent-ready at the time of purchase, hard money financing may not be necessary, and you can move directly into DSCR financing.
Best Cities To Invest In Real Estate In Massachusetts
Boston
The local real estate market is highly competitive and driven by strong demand, supported by top-tier educational institutions, robust life sciences and financial sectors, and steady population growth. Limited housing inventory and consistent price appreciation create attractive conditions for renovation-focused investment projects, particularly in established historic neighborhoods. For long-term rental strategies, ongoing demand from students and working professionals in nearby academic and employment hubs helps support reliable cash flow. The combination of strong property values, economic stability, and a skilled workforce continues to position this market as a compelling option for real estate investors.
Springfield
Springfield, MA offers a steady and relatively conservative environment for residential renovation projects. While it lacks the pace of larger metropolitan areas in Massachusetts, the market has shown signs of gradual growth, creating room for well-planned investment opportunities. Recent trends reflect a notable increase in median sale prices, signaling short-term appreciation, though long-term value changes have remained largely flat over the past decade. This makes careful deal selection essential. The most promising opportunities are typically found in established neighborhoods with older housing stock in need of updates, where realistic after-repair values can be supported by local market conditions. Although returns may be more modest than in faster-moving markets, Springfield can provide consistent results for investors focused on lower-risk, disciplined strategies.
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