Chelsea DSCR Loans for Rental Property
Are you seeking long-term private financing for a residential rental property in Chelsea, MA? On this page you'll find a list of lenders that offer these “DSCR” loans for single family homes, condos, and 2-4 unit rental properties in urban areas. Some lenders consider vacation rentals (aka short-term rental or STR). For a purchase, investors typically need a minimum down payment of 20%, and it could be higher depending on the debt service coverage ratio (DSCR), borrower’s credit score and location. The loans terms range from 3 to 30 years. D.S.C.R. stands for debt service coverage ratio, which is a measure of the property's cash flow. The formula is gross rental income divided by expenses (mortgage principal and interest, property taxes, insurance, and HOA dues, if applicable). These loans qualify based on the DSCR rather than the borrower's personal income.Searching...
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Cardinal Capital Group
New England Direct Private Money Lender
RCN Capital
Direct Lender for Residential Fix & Flip, Long-Term Rental, Bridge Loans
Malve Capital LLC
Fast And Easy Real Estate Loans. Closing as fast as 5 business days, subject to clear title.
Accolend
No Points, 0% Origination Fee | Residential, Multifamily, Mixed-Use
Temple View Capital
DSCR 30-Year Loans for Long-Term and STR/Vacation Rentals | 45 Day Rate Lock
LendingOne
Rental, Fix & Flip, New Construction, Fix to Rent, SFR Portfolio Loans Nationwide
Kiavi
Servicing 18,000+ Real Estate Investors Across the Country
Dunmor
Do More With Dunmor
Certain Lending
The Mortgage Company Built for Real Estate Investors
American Heritage Lending
Direct Lender for Residential Real Estate Investors Nationwide
i Fund Cities
Direct Lender for Builders and Rehabbers
Residential Capital Partners
100% Financing for Residential Rehab Projects (NO Money Down)
Rehab Financial Group
100% Financing for Rehab, Flip and Construction Projects - NO DOWN PAYMENT! NO INCOME VERIFICATION!
Center Street Lending
Smarter Loans for Residential Investors
Conventus
We Fund Fast While Providing Excellent Service and Competitive Pricing
Top Massachusetts DSCR Lenders for Rental Properties
According to SFR Analtyics, here are the top private lending companies that are funding DSCR long-term loans secured by residential rental properties in Massachusetts, along with the approximate loan volume funded. The list ranks each lender by the total loan volume originated throughout Massachusetts from July 2025 to September 2025.
- Investor Mtg Fin LLC funded over $5,073,332
- RCN Capital funded over $3,749,319
- Origin Mortgage funded over $3,123,450
- Renovo Financial funded over $1,212,750
- Lima One Capital funded over $959,750
Click the links to view each lender’s profile. The lenders without a link do not have an active Lender Link profile. The loan volume amounts mentioned are approximate. Not every loan has maturity data, so some lender’s volume may be higher than shown.
SFR Analtyics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market..
Massachusetts DSCR Loan Interest Rates
According to the loan documents software company, Lightning Docs, the average interest rate for Massachusetts DSCR long-term rental loans in the 3rd quarter of 2025 was 7.49%. The average loan amount was $577,460. These stats are the average of 86 loans funded for residential rental properties in Massachusetts between July 1, 2025 and September 30, 2025 by multiple lenders that use Lightning Docs as their preferred software provider to prepare loan documents.
Massachusetts DSCR Rental Loan Volume
According to SFR Analytics, here is the approximate quarterly volume of DSCR loans secured by residential rental properties in Massachusetts which were funded from January 2025 to December 2025.
- Approximately $- of DSCR rental loans were funded in the 4th quarter of 2025 for - borrowers.
- Approximately $14,118,601 of DSCR rental loans were funded in the 3rd quarter of 2025 for 16 borrowers.
- Approximately $3,190,438 of DSCR rental loans were funded in the 2nd quarter of 2025 for 10 borrowers.
- Approximately $16,711,330 of DSCR rental loans were funded in the 1st quarter of 2025 for 30 borrowers.
Below are the approximate DSCR loan volume amounts for Massachusetts metropolitan areas:
Boston-Cambridge-Newton, MA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $8,895,032 for 9 borrowers
- 2025 Q2: $472,125 for 2 borrowers
- 2025 Q1: $5,187,354 for 8 borrowers
Springfield, MA
- 2025 Q4: $- for - borrowers
- 2025 Q3: $532,125 for 2 borrowers
- 2025 Q1: $8,837,226 for 14 borrowers
SFR Analytics provides advanced analytics for top-performing real estate investors and private lenders. Their platform provides nationwide, real-time property data, including market activity, ownership changes, and detailed buyer behavior insights. With custom dashboards and alerts, users can track active investor and lender activity, access rental market information, and analyze geographic and demographic trends. Their Private Lender Radar product gives lenders deep insights into borrower portfolios, lending activity, and verified contact details. For those needing bulk data, they supply updated daily records, including deeds, rental listings, demographic data, and building permits, to support informed decision-making across the residential real estate market.
