Hard Money Loans in Boston
Fast private capital for Greater Boston real estate investors. DSCR rental, fix & flip, bridge, multifamily (5-10 units), and ground-up construction. Close in 5-14 days, no income docs.
DSCR from 5.75% · Bridge from 7.5%
5.75%
DSCR From
7.5%
Bridge & Fix-Flip From
5-14 Days
Time to Close
$100K-$30M
Loan Range
Built for Greater Boston Investors
DSCR Rental
From 5.75%Up to 80% LTV · 30-year
Long-term rental financing on Boston SFRs, condos, and 2-4 unit multifamily. Qualify on rental income - no W-2s, no tax returns. Strong fit for Dorchester, Roslindale, Hyde Park, East Boston, and Allston-Brighton triple-deckers.
Multifamily DSCR (5-10 unit)
From 6.375%Up to 80% LTV · 30-year
Boston is a triple-decker town. Our 5-10 unit multifamily DSCR loan qualifies on net operating income. Ideal for Dorchester, JP, Mattapan, and Roxbury small apartment buildings.
Fix & Flip
From 7.5%Up to 90% LTC · 6-18 months
Acquisition + rehab in one loan for Boston flippers. Up to 100% of rehab budget, capped at 75% of ARV. Common product for Dorchester, Hyde Park, and Quincy gut renovations.
Bridge Loan
From 7.5%Up to 75% LTV · 6-24 months
Short-term capital for time-sensitive Boston acquisitions. Bridge between purchase and permanent financing or buy-renovate-refinance plays. 5-day close possible on clean title.
New Construction
From 8%Up to 85% LTC · 12-24 months
Ground-up draws for new SFR and small multifamily construction. Boston's permitting is famously slow - we close once permits are imminent and draw against milestones thereafter.
Greater Boston Markets We Lend In
Dorchester · South Boston · Roxbury · Jamaica Plain · East Boston · Allston-Brighton · Hyde Park · Roslindale · Mattapan · Charlestown · Quincy · Cambridge · Somerville · Brookline · Newton · Medford · Malden · Revere
Boston Investor FAQ
Do you lend on triple-deckers?
Yes - this is one of our most-requested products in Boston. 3-unit triple-deckers qualify under the DSCR 1-4 unit residential program. Owner-occupied 2-4s are not eligible (we only fund non-owner-occupied investment property).
What about Boston's escrow + buyer agency rules?
Boston transactions are familiar territory. We work with the same title companies and closing attorneys our investors already use. We'll never push you toward a particular firm - bring your own.
Can you close before a 1031 exchange identification deadline?
Yes. We've closed 1031 replacement properties in 7-10 days when title was clean. Don't wait until day 40 of your 45-day window though - reach out the moment you go under contract.
Are Boston condos eligible for DSCR?
Yes for warrantable condos. Non-warrantable (newer buildings, high investor concentration, ongoing litigation) requires more underwriting but is often still possible.