Hard money lenders in Massachusetts

Rated 5 stars on Google with 100+reviews! Direct Lender for Rentals (DSCR), Fix & Flips, Rehab-to-Hold/Rent, and Ground-up Construction. HIGHEST RATED LENDER ON BiggerPockets. Minimum FICO is 700 and Minimum Loan Amount is $150,000 per property.

Diversified Financing Solutions offers the highest level of customer service and competitive pricing you will find in private lending. Offering bridge, rehab, and rental financing with terms from 12 to 360 months. Apply today or call to speak to one of our mortgage planners and discover what Diversified Financing Solutions can do for you! Diversified Financing Solutions was founded by experienced Real Estate Professionals. We have vast experience in Real Estate Asset Management, Bank Owned Real Estate (REO) Sales, and personal experience in hundreds of fix and flip projects completed in multiple states. We will help you navigate the hurdles of executing a successful business plan. Our team has over 70 years of combined lending experience to make sure your loans close fast, with the right rates for you. We have a diverse set of in-house loan programs, investors & lender networks to fund most loan scenarios. Every borrower is VIP, that's why you get a dedicated mortgage planner that always knows your loan status. Whether it’s a single asset or a portfolio of real estate holdings, our mission is to provide timely and cost-effective financing solutions for Real Estate Investors of all experience levels. Whether you are a novice or an experienced Real Estate Professional, we have the financing solutions to fund your newest triumph. Our daily objective is to ensure your success in real estate investing, not just to get loans in and out the door quickly. We want to fund your deals, but more importantly we want to be your lender and partner for all your wins, both big and small. We can assist in ensuring your profitability by navigating the unforeseen. We provide boutique financing options, not just the big box lender financing with those painful “conditions” that cause delays. We lend our own funds, we have multiple capital partners, and we will work hard to find the best solution to suit your real estate needs.

BEST Lending Co. was birthed from the irritations spoken by so much of the industry. Hard money or Private money lending for real estate investment property has undergone massive changes in the last decade, but most private lenders aren’t keeping up. Having experienced those changes first hand, the founder of BEST Lending Co created this company to bridge the gap between the veteran boots on the ground and the overly complicated financing currently available for real estate investors.

LendingOne is one of the nation's largest lenders for real estate investors. Our industry leading pricing, leverage and transparency results in thousands of repeat customers a year. We have been a BiggerPockets premium partner for 10 years and the BP community comes first. Our products: 30 Yr DSCR Rental, Fix/Flip, New Construction and SFR Portfolio loans. Top Private Lender on Trustpilot: Over 4.5 Rating w/ over 200 verified reviews. https://www.trustpilot.com/review/lendingone.com Featured On The Market Podcast: Episode 72 https://www.biggerpockets.com/blog/on-the-market-72

CapSource offers a broad array of lending solutions to facilitate your investment journey, no matter your level of experience. Whether you're aiming to acquire a property for renovation or to generate consistent income from rental units, CapSource is your reliable partner. What distinguishes us is our consultative and coaching approach. We're not merely lenders we're mentors, collaborating closely with you to devise a financial strategy tailored to your unique needs. Seize the opportunity to experience personalized finance today with CapSource, and allow us to guide you towards success. Your next project awaits, and we're excited to embark on this journey with you.

Cap One Lending – 5-Star Rated, Investor-Focused Financing Cap One Lending is a veteran-owned, 5-star rated direct lender specializing in Hard Money Fix & Flip, Fix & Rent / BRRRR, and DSCR Rental Loans (short & long term)—plus FHA, VA, USDA, and Conventional mortgages for primary and secondary homes. We’re built for investors: fast decisions, flexible loan programs, and decades of experience helping clients grow their portfolios. Whether you’re buying, refinancing, or pulling cash out, we’re here to help you close more deals and scale with confidence. Why Investors Choose Us Direct lending decisions – no middlemen Investor-friendly products – maximize leverage and ROI Responsive team – quick answers and smooth closings Key Lending Criteria Minimum Loan Amounts: $75K for DSCR & Hard Money ($0 minimum on consumer loans) Minimum Credit Scores: 580 (USDA, VA, FHA), 620 (Conventional), 660 (DSCR/Hard Money) Property Types: 1–4 unit Leverage: Up to 100% USDA/VA/FHA • Up to 97% Conventional • Up to 90% LTC + 100% rehab for Fix & Flip/BRRRR • Up to 85% Rental Our Promise We combine speed, transparency, and creativity to help investors close faster, scale bigger, and earn more—every time.

Easy Street Capital, LLC is the ideal lender for fix & flip investment properties, ground-up construction projects, and rentals. Defined by an experienced team and innovative loan programs, Easy Street Capital, LLC is the ideal financing partner for real estate investors of all experience levels and specialties.

We get it—mortgages are confusing. That’s why we’ve been simplifying homeownership in Bristol County since 2017. Maybe you’re a first-time home buyer who’s new to mortgages. Or perhaps you have questions about refinancing your current home loan or buying some investment property. Whatever your needs we are ready to guide you towards solutions personalized for you. Discover why we’re the best place in Massachusetts and Rhode Island to get a mortgage.

Atlantic National Trust is a private financial firm based on Portland, Maine’s historic waterfront. Founded in 1995, Atlantic combines expertise in finance and real estate to create mutually beneficial transactions for its business partners. Avoid the timely underwriting process of conventional lenders. Atlantic’s loan experts have the resources to close transactions faster. Loan Amounts: $100,000 - $3,000,000 Loan-to-Value: Up to 70% Interest Rate: Deal Dependent, please inquire Origination Fee: Deal Dependent, please inquire Geographic Focus: Maine, New Hampshire, Massachusetts, North Carolina, South Carolina, Texas, Colorado, Arizona, Nevada Loan Term: 12-24 Months Asset Class: All Commercial Closing Time: Within 2 weeks if necessary Transaction Types: Bridge Loan To discuss your financing needs, please call or text Ben Keller at (207) 944-6450. You can also reach Ben via email at [email protected]. For more information, visit https://www.atlanticnationaltrust.com.

As a veteran lender with over 20 years' experience and investor of over 15 years, I've come to learn the unique needs of individual investors who have unique profiles. Well versed in financial concepts, infinite banking and HELOC strategies, my unique 1st and 2nd lien HELOC product offerings aid to help capitalize, increase liquidity and setup for future passive income asset acquisitions. Originally from CT now residing in Nashville, I'm licensed to originate HELOC's, Conventional, Non-QM and DSCR in multiple states and our company is in 49 states.

We Provide DSCR, Fix and Flip, Fix and Hold, New Construction, and Rental Loans for Investors, we lend in 39 states. We do loans from $100,000 to $5 Million, give us a call we will get you terms same day.

With more than $30+ billion in funded loans, Kiavi is one of the nation's largest private lenders to residential real estate investors. Kiavi harnesses the power of data & technology to offer REIs a simpler, more reliable, and faster way to access the capital they need to scale their businesses. With a wide range of bridge and rental funding options to choose from, Kiavi’s 24/7 pricing calculator and team of experts can create a personalized solution for your investment strategy. You get reliable, robust capital designed for the way you do business today...and tomorrow.

INVESTMENT PROPERTY FINANCING - CALL THE EXPERTS! The Loan House is a premier mortgage brokerage specializing in investment property financing, offering customized solutions for both refinancing and new acquisitions. With over 25 years of experience and more than $600 million in closed investment property loans, our expert team has the knowledge and resources to help you secure the best financing options on the market. From short-term and long-term rentals to properties in transition, we provide flexible loan programs that support your unique investment strategy. Ready to grow your real estate portfolio? Let us help you take your investments to new heights with the right financing at the right time. Highlights of our loan programs: * DSCR (Debt Service Coverage Ratio) * STR (Short-Term Rental) * LTR (Long-Term Rental) * Vacant Investment Properties * Low-Ratio DSCR * No-Ratio DSCR * Blanket Loans * Bridge Loans

Certain Lending is a technology-driven lender dedicated to real estate investors. We lend nationwide on 1-10 unit residential properties including fix-and-flip, bridge, construction, and rental/DSCR loans—designed to meet the diverse needs of investors. Our intuitive platform streamlines the financing process, enabling quick closings and efficient draw funding. With a focus on transparency and reliability, we empower both new and seasoned investors to scale their portfolios confidently. Backed by deep industry expertise, we act as a true partner to our clients—offering responsive, high-touch service that ensures a smooth and supportive lending experience from start to finish.

At Ameritrust Mortgage Corporation, we specialize in Non-QM lending solutions tailored for real estate investors and self-employed borrowers. As a direct mortgage lender, we provide flexible financing options that go beyond traditional guidelines, empowering borrowers who may not fit the conventional loan mold. Our Non-QM programs include DSCR loans for real estate investors, bank statement loans for self-employed professionals, and an entire range of Alt-Doc solutions. Whether you're expanding your rental portfolio, purchasing a second home, or securing financing without traditional income verification, we have the expertise and products to make it happen. With a streamlined lending process, competitive rates, and a team of experts who understand creative financing, Ameritrust Mortgage Corporation helps investors and homebuyers achieve their real estate goals. Let’s build your financial future—on your terms.

HomeAbroad is a one-stop PropTech and FinTech platform that unlocks US real estate investment for global investors, offering specialized mortgage solutions without needing US credit history or residency, an AI-driven investment property search engine, local investor-friendly real estate agents, and end-to-end support (LLC formation, U.S. bank accounts, property management connections).

Rate Hero | Let the home qualify itself. Built for investors who don’t fit inside a bank’s box. At Rate Hero, we help real estate investors, entrepreneurs, and self-employed borrowers secure financing based on the deal, not just a traditional income checklist. Whether you’re buying your first rental, refinancing out of hard money, pulling cash out to scale, or qualifying through DSCR, bank statements, or CPA-prepared P&Ls, we structure loans around how investors actually move. Fast deals. Creative structures. Real lending strategy. ⚡ DSCR Loans for first-time and seasoned investors ⚡ No-Ratio and Investor Cash Flow Loans ⚡ Bank Statement Loans ⚡ CPA P&L Loans ⚡ FHA, Conventional, and VA Loans and Refinances ⚡ Cash-Out Refinances for Investment and Primary Properties ⚡ Interest-Only and Asset-Based Loan Options ⚡ Second Mortgages and HELOC Options ⚡ Creative Financing for LLCs, Trusts, Corporations, and Complex Ownership Structures Our goal is simple: make financing faster, clearer, and more strategic for investors who are buying, refinancing, scaling, or restructuring. Financing built around the way investors actually move.

At Contour Mortgage, we pride ourselves on being more than just a direct retail residential mortgage lender—we’re a trusted partner in turning vision into reality. Our Business Purpose Lending division focuses on 30-year renovation loans and DSCR financing, empowering investors, developers, and entrepreneurs to acquire, improve, and maximize the value of their properties. With decades of combined expertise and a client-first approach, we deliver tailored financing solutions that move projects from blueprint to completion with speed, transparency, and confidence. Whether it’s revitalizing a single property or scaling a portfolio, Contour Mortgage provides the tools, guidance, and funding to make it happen.

Clion Capital delivers powerful, institutional lending for serious real estate investors: - Fix & Flip, Bridge, New Construction, and long-term DSCR Rental solutions—each crafted for fast closings and predictable results. Loan amounts from $100K to $3MM, non-rural. - We offer industry-low origination costs, aggressive rates, flat underwriting fees, and no appraisal fees*. - Our borrowers benefit from streamlined applications, concierge support, and construction tools to help drive profitability. Visit clioncapital.com to get truly INSTANT terms, profitability estimates, and prequalification letter for your specific deal - no strings attached.

As an investor myself, I help homebuyers and real estate investors understand their financing options with clarity and confidence. With 10 years in corporate finance and over $50M financed in 2025, I bring a straightforward, numbers-driven approach without overcomplicating the process. I work with first-time buyers, house hackers, move-up buyers, and investors across New England. Using tools like Mortgage Coach and real-time scenario comparisons, I help clients quickly see how different loan structures impact cash flow, long-term wealth, and overall strategy. Clients choose me because I’m responsive, transparent, and committed to making the entire lending experience smooth. I stay closely connected to top realtors, attorneys, CPAs, and credit specialists, so you get a well-coordinated team, not just a loan approval. Whether you're evaluating your first house hack, comparing investment property returns, or structuring a high-income jumbo loan, I bring deep lending expertise paired with real financial insight. I close deals quickly, support clients far beyond pre-approval, and work hand-in-hand with the pros involved to keep everything running seamlessly. If you want a lender who understands numbers, understands people, and treats your goals like a long-term relationship- NOT a transaction...I’m here to help!!

Chavez Capital is an investor-focused private lending firm offering Fix & Flip, Ground-Up Construction, and DSCR loan solutions. We combine private and institutional capital with investor-friendly flexibility to help clients scale their portfolios efficiently and close with confidence.

Hi, my name is Conor Whiting and I am an investor and Branch Manager with Rate in Westbrook, ME. I am licensed in ME, MA, NH, CT, and FL. I have experience in BRRR's personally as well as short term rentals. I have the product mix and experience to help.

FAST MONEY FOR FLIPS INT. LLC helps real estate investors, builders, and business owners secure fast funding for fix-and-flip loans, bridge loans, DSCR rental loans, construction loans, commercial loans, SBA financing, and cash-out refinances. We work with borrowers nationwide and focus on creative lending solutions, fast approvals, and getting deals closed.

Conventus is a private real estate lender specializing in bridge, fix and flip, DSCR, ground-up construction, and multifamily financing for investors. We built our underwriting around how experienced investors actually operate, with fast closings, in-house decision-making, and terms that reflect the realities of each deal rather than a rigid checklist. Our Relationship Managers work directly with investors from first conversation through funding and beyond, so you're never navigating loan terms alone. Whether you're scaling a rental portfolio, running your next flip, or breaking ground on new construction, we lend on the fundamentals of the deal and the investor behind it.

QuestRock Home Loans helps real estate investors finance rental properties, fix-and-flips, bridge loans, and other non-QM opportunities with flexible solutions built for investors. We specialize in DSCR, short-term and long-term rentals, investment-property refinances and cash-out, rehab financing, foreign-national programs, and bank-statement financing for self-employed borrowers, including primary residences

Specialties Co-Living / PadSplit • DSCR • Foreign National • Fix & Flip • Construction • Bank Statement • P&L **Co-living deal that other lenders keep turning down? That's our specialty.** We get co-living, PadSplit and creative DSCR loans funded for investors nationwide, including high bed and bath counts, converted properties, low DSCR and foreign national buyers. **Foreign national investor getting turned down by U.S. lenders? That's our specialty.** Our founder, Connor Mayner, started his mortgage career brokering loans in Canada before he moved to the U.S. That's why helping international investors buy U.S. investment property has become one of the biggest parts of what we do. **Looking for Creative DSCR & Investment Property Financing?** A low DSCR doesn’t have to stop your deal. We offer a wide range of DSCR loan programs and creative financing solutions to help investors qualify, including strategies to increase the DSCR and access to no-ratio DSCR products that don’t require the property to meet a minimum DSCR threshold. We look beyond standard lending guidelines to find the right program for your property and help you move forward with your investment.