Massachusetts Rehab Lenders for Residential Rental Properties

Are you looking to rehab and hold residential rental properties in Massachusetts? On this page you'll find a list of lenders that provide financing to help investors execute the BRRRR (Buy, Rehab, Rent, Refinance, Repeat) strategy in Massachusetts's urban areas. You typically need some cash for the purchase (15% to 20%), some cash reserves in case the rehab goes over budget, and a FICO score over 680 to qualify for the long-term refinance. The maximum loan-to-ARV (after-repair value) for most lenders in Massachusetts is 75%, but it could be lower depending on the rental income, location, credit score and other factors.
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Kiavi

Servicing 12,000+ Real Estate Investors Across the Country

$100,000 - $3,000,000
12 to 360 months
LendingOne

Rental, Fix & Flip, Construction & Multifamily Bridge Loans Nationwide

$75,000 - $50,000,000
12 to 360 months
1.00% - 2.00%
Pimlico Capital

Direct Lender for Real Estate Investors | Established in 2016

$75,000 - $5,000,000
3 to 360 months
10.50% - 12.00%
2.00% - 3.00%
American Heritage Lending

Direct Lender for Residential Real Estate Investors Nationwide

$100,000 - $5,000,000
12 to 360 months
8.00% - 12.00%
1.00% - 3.00%
Park Place Finance

Nationwide Direct Private Lender for Residential Real Estate Investors

$100,000 - $2,500,000
12 to 23 months
9.99% - 12.99%
1.50% - 3.00%
Cardinal Capital Group

New England Direct Private Money Lender

$250,000 - $20,000,000
12 to 24 months
9.99% - 12.99%
1.00% - 3.00%
HouseMax Funding

Hard Money Loans to Fund Your Next Big Project

$75,000 - $7,000,000
12 to 360 months
7.00% - 12.99%
1.00% - 4.00%
i Fund Cities

Great F#*%ing Loans, Built By Investors For Investors

$75,000 - $15,000,000
6 to 360 months
7.00% - 12.00%
1.50% - 4.00%
Conventus

We Fund Fast While Providing Excellent Service and Competitive Pricing

$150,000 - $100,000,000
6 to 60 months
9.00% - 12.99%
0 - 2.00%
Center Street Lending

Smarter Loans for Residential Investors

$100,000 - $40,000,000
6 to 24 months
9.00% - 12.50%
0.50% - 2.00%
Rehab Financial Group

100% Financing for Rehab, Flip and Construction Projects - NO DOWN PAYMENT!

$50,000 - $2,000,000
4 to 12 months
11.88% - 13.00%
2.00% - 4.00%
Old North Capital Fund, LLC

True asset-based financing | No credit check, No appraisals, No prepay

$100,000 - $2,500,000
6 to 12 months
11.90% - 13.00%
2.00% - 4.00%
Stormfield Capital, LLC

Direct Balance-Sheet Lender for Investment Properties

$250,000 - $10,000,000
6 to 36 months
8.50% - 11.99%
0 - 2.00%
First Boston Capital Partners

Direct Lender for Boston Real Estate Investors

$500,000 - $10,000,000
6 to 18 months
12.00% - 13.00%
2.00% - 2.00%
RD Advisors

Developer Financing, Fast | Direct Lender for Property Investors

$250,000 - $10,000,000
6 to 24 months
8.90% - 11.90%
1.00% - 2.00%
Lima One Capital

The Nation's Premier Lender for Real Estate Investors

$75,000 - $20,000,000
13 to 360 months
7.20% - 12.10%
0.25% - 2.50%
Backflip

Fix and Flip Direct Lender with all-in-one platform providing comps, capital and community to help you scale

$75,000 - $2,000,000
6 to 12 months
10.00% - 13.00%
1.25% - 2.00%

3 Local Massachusetts Rehab Lenders

Here are the residential rehab lenders on our platform that are “local” lenders, based in the Boston metro area…

  1. First Boston Capital Partners
    Based in Quincy, First Boston is an affiliate of The Grossman Companies which has been financing Boston real estate investors for over 60 years. For rehab projects, they lend up to 87.50% of the total project costs with a 75% maximum loan-to-after-repair value. In addition to Boston, they also consider deals in Nantucket and Cape Cod. According to Forecasa, First Boston ranks in the Top 10 Massachusetts hard money lenders in terms of loan volume.
  2. RD Advisors
    Based in South Boston, RD Advisors manages a debt fund which offers rehab loans to real estate investors in the Greater Boston metro area. For rehab projects, they typically fund up to 85% of the purchase price and 100% of the rehab costs, with a 70% maximum loan-to-ARV. They pride themselves on providing speed and flexibility. They don’t have high experience requirements and credit scores can be as low as 500.
  3. Cardinal Capital Group
    Based in the South End of Boston, Cardinal Capital Group ranks among the top five highest-volume hard money lenders in Massachusetts according to Forecasa. For residential rehab projects, they typically fund up to 85% of the purchase price and 100% of the rehab costs, with a 75% maximum loan-to-ARV. In addition to Massachusetts, they lend in the rest of New England, plus a few other states.

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