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RF Boston

RF Boston is a Quincy, Massachusetts-based direct private lender financing real estate investors and developers in select East Coast states. They offer bridge, construction, fix-and-flip, rental, and DSCR loans for non-owner-occupied residential, multifamily, mixed-use, and commercial properties.

Lending Quick Facts

  • Loan Types: Bridge, purchase, refinance, cash-out refinance, fix-and-flip, fix-and-hold, construction, ground-up construction, and DSCR rental loans
  • Property Types: 1–4 family, 5+ unit residential, mixed-use, commercial assets, condos, PUDs, and other non-owner-occupied properties
  • Bridge Loan Amounts: $150,000 to $10,000,000
  • Bridge Loan Terms: 6–24 months
  • Bridge Lending Areas: Massachusetts, Rhode Island, New Hampshire, Maine, North Carolina, and Florida
  • Bridge Maximum Leverage: Up to 75%–80% of as-is value and 70% of after-repair value
  • Construction Financing: Up to 100% of construction costs
  • Bridge Payments: Interest-only; interest charged on funds advanced
  • Bridge Origination Fee: 1%–3%
  • Bridge Underwriting: Asset-based rather than credit-driven; application, credit report, and appraisal required
  • Bridge Closing Speed: As quickly as 48 hours, subject to clean title
  • DSCR Loan Amount: Up to $2.5 million
  • DSCR Maximum LTV: Up to 80% for purchases/rate-term refinances and 75% for cash-out refinances
  • DSCR Minimum Credit Score: 660 guarantor mid-score
  • Borrower Entities: Bridge borrowers may include LLCs, trusts, partnerships, and revocable trusts; RF Boston states it does not close loans to individuals
Common Loan Scenarios
  • Investor purchasing a residential property for renovation and resale
  • Developer acquiring and renovating a multifamily investment property
  • Borrower refinancing an existing investment property bridge loan
  • Investor completing a cash-out refinance of non-owner-occupied real estate
  • Developer financing ground-up construction of an investment property
  • Investor acquiring a mixed-use or commercial property with bridge financing
  • Rental investor refinancing stabilized property into a long-term DSCR loan
  • Investor using bridge-to-permanent financing to renovate and retain a rental property
Scenarios Not Considered
  • Loans secured by owner-occupied residential properties
  • Bridge loan requests below the published $150,000 minimum
  • Bridge loan requests exceeding the published $10 million maximum
  • DSCR rental loans exceeding the published $2.5 million maximum
  • DSCR loans with guarantor mid-FICO scores below 660
  • Loans to individuals without an eligible borrowing entity
  • DSCR purchases or rate-term refinances above 80% LTV
  • DSCR cash-out refinances above 75% LTV

Questions & Answers

RF Boston offers bridge loans for purchases, refinances, cash-out transactions, renovations, and construction, as well as long-term DSCR rental loans. They also finance ground-up construction and can provide bridge-to-permanent financing.

RF Boston lists Massachusetts, Rhode Island, New Hampshire, Maine, North Carolina, and Florida as bridge lending areas.

RF Boston finances non-owner-occupied properties and states that its bridge program can consider all asset types. Its website specifically highlights 1–4 family, 5+ unit residential, mixed-use, and commercial properties.

RF Boston's published bridge loan range is $150,000 to $10 million.

RF Boston states that bridge loans can close in as little as 48 hours when the property has clean title. Actual timing depends on underwriting, valuation, title, and transaction-specific requirements.

RF Boston publishes maximum leverage of approximately 75%–80% of as-is value and up to 70% of after-repair value for its bridge program.

Yes. RF Boston states that its bridge program can finance up to 100% of construction costs, subject to the overall loan structure and leverage limits.

RF Boston charges interest only on funds advanced. Construction draws reimburse completed work and installed materials, with the company stating that funds are typically disbursed within 48 hours following inspection.

RF Boston describes its bridge loans as asset-based rather than credit-driven. A credit report is still part of underwriting, along with the loan application and appraisal.

Yes. RF Boston offers DSCR rental loans with 15-year fixed, 30-year fixed, interest-only, and ARM options listed on its website. The program is designed around property cash flow rather than conventional income documentation.

RF Boston publishes a minimum guarantor mid-FICO score of 660 for its DSCR rental program.

RF Boston describes its DSCR program as low-documentation and asset-based, with no income or tax verification. Pricing and qualification depend on factors including credit score, LTV, and DSCR.

Yes. RF Boston specifically offers bridge-to-permanent financing, allowing qualified investors to transition from short-term financing into a long-term rental loan.

RF Boston's FAQ states that borrowers must have or form an active LLC or trust and that the lender does not close loans to individuals. Its bridge guidelines also list LLCs, trusts, partnerships, and revocable trusts as eligible borrower types.

Details and Requirements

Credit Check Required

yes

Last updated: October 7, 2026

RF Boston’s Lending Activity
Data Provided By Elementix
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12mo Loan Volume

$116,345,609

12mo Loan Count

155

Total Loan Volume

$435,272,587

Average Loan Size

$690,909

Loan Count by State (Past 12 Months)
MA: 137, NH: 8, ME: 6, FL: 3, RI: 1
Data provided by Elementix | Disclaimer

Company Quick Facts

  • Year Established: 2014
  • Headquarters: Quincy, Massachusetts
  • Company Type: Direct private mortgage lender
  • Founders: Michael Garrity and Michael Philbin
  • Managing Partner: Michael Garrity
  • Primary Customers: Real estate investors and developers
  • Primary Lending Focus: Non-owner-occupied real estate financing
  • Core Loan Programs: Bridge loans and long-term DSCR rental loans
  • Geographic Focus: Massachusetts, Rhode Island, New Hampshire, Maine, North Carolina, and Florida for bridge lending
  • Capital Model: Direct balance sheet lender
  • Underwriting Model: In-house underwriting with asset-based bridge lending
  • Loan Servicing: RF Boston manages borrowers from underwriting through servicing and payoff

Office Locations

165 Washington Street 1st Floor, Quincy, MA 02169

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