Hard Money & Multifamily Loans in Worcester
Fast private capital for Worcester multifamily and rental investors. 5-10 unit DSCR, fix & flip, bridge, and value-add multifamily financing. Close in 5-14 days, no income docs.
5-10 Unit MF DSCR from 6.375% · Bridge from 7.5%
6.375%
5-10 Unit MF From
5.75%
DSCR From
7.5%
Fix & Flip From
5-14 Days
Time to Close
Built for Worcester Multifamily Investors
Multifamily DSCR (5-10 Unit)
From 6.375%Up to 80% LTV · 30-year
Worcester is a multifamily town. Triple-deckers, 5-10 unit walk-ups, and value-add stabilizations are our highest-volume product here. Qualify on net operating income, no personal income docs.
DSCR Rental (1-4 Unit)
From 5.75%Up to 80% LTV · 30-year
Long-term rental financing for SFRs, condos, and small multifamily across Main South, Vernon Hill, Burncoat, Greendale, and Worcester County suburbs (Auburn, Holden, Shrewsbury, Leominster).
Fix & Flip
From 7.5%Up to 90% LTC · 6-18 months
Acquisition + rehab financing for Worcester flippers. Up to 100% of rehab budget capped at 75% of ARV. Strong margins still exist in Burncoat, Bell Hill, Vernon Hill, and parts of Webster Square.
Bridge Loan
From 7.5%Up to 75% LTV · 6-24 months
Short-term capital for value-add multifamily acquisitions. Buy distressed, renovate, lease up, then refi into our long-term DSCR. Common 12-18 month workflow for Worcester multifamily investors.
Multifamily Bridge / Heavy Rehab
From 7.5%Up to 75% LTV · 12-24 months
Larger short-term capital for value-add 5-20 unit multifamily projects. Includes draw-funded rehab when scope is significant. Take-out into stabilized long-term financing on completion.
Worcester County Markets We Lend In
Main South · Vernon Hill · Burncoat · Greendale · Bell Hill · Webster Square · Tatnuck · Lincoln Square · Quinsigamond Village · Shrewsbury · Auburn · Holden · Leominster · Fitchburg · Westborough · Marlborough
Worcester Investor FAQ
Why Worcester for multifamily investing?
Worcester has the strongest cap rates in Massachusetts with rents that have been climbing for 8 straight years and a renter base anchored by 9 colleges plus the UMass Med complex. Triple-deckers and 5-10 unit walk-ups still trade at sub-Boston prices.
Do you finance Section 8 rentals?
Yes. Section 8 income is treated like any other rental income for DSCR qualification. Section 8 rents are often above market in Worcester, which can actually improve DSCR.
What about properties with deferred maintenance or violations?
Habitability issues usually require fix & flip or bridge product instead of DSCR. Once the property is brought up to code and lease-ready, refinance into long-term DSCR. We can model both legs on one term sheet.
Do you lend in surrounding Worcester County towns?
Yes - Auburn, Shrewsbury, Holden, Leominster, Fitchburg, Westborough, Marlborough, Webster, Sturbridge, and the rest of Worcester County all qualify under the same programs and rates.