We specialize in DSCR, HARD MONEY, FHA and CONVENTIONAL LOANS. New and experienced investors!
Investors don't lose deals on the offer — they lose them when financing falls apart, and Mamba closes the deals other shops walk away from.
50+ lender relationships across DSCR, hard money, fix-and-flip, rental portfolio, bank statement, conventional, and FHA — from your first house-hack to your tenth rental, you don't swap brokers to keep building.
We know which lender says yes, we move fast, and we pick up the phone.
We specialize in Non-QM loans and complex financing that most lenders can’t approve. Our speed, flexibility, and multi-state reach set us apart. Investors choose us because we win difficult deals, maintain high conversion rates, and operate with efficiency similar to direct lenders.
As a direct lender, it gives us the ability to be flexible on our non-owner occupied commercial & investment loans. Our rates are competitive with no hidden fees! Our loan amount limits are between $50K - $300M. We specialize in Fix & Flip/Hold, Buy & Hold, DSCR, Commercial, New Construction, and more.
Here's the problem with most investor lending: you're explaining your own strategy to a banker who's never done a BRRRR, never carried a flip, never sweated a draw schedule. They jam your deal into one rigid box — and if it doesn't fit, you're done.
That's not us.
Aspire Mortgage (NMLS #2783873) is built by investors, for investors. Through Beard Bros Build Co. we've completed 100+ flips in the Omaha market since 2019. We flip, we hold rentals, we build. We underwrite your deal the way we underwrite our own — because we're doing the same deals you are.
And because we're a broker, not a single lender, we shop your deal across multiple capital sources to fit your strategy and your numbers. DSCR, fix & flip, bridge, BRRRR. Lending in ~35 states. Backed by a 25-year mortgage veteran and a seasoned team.
You bring the deal. We find the money built for it.
Aspire Mortgage | NMLS #2783873 | Equal Housing Opportunity
Cardinal Capital is a private lending firm specializing in tailored financing solutions for real estate investors and developers. We provide fast, flexible, and reliable capital for acquisitions, refinances, and construction projects, ensuring our clients can move quickly in competitive markets. Our expertise spans bridge loans, value-add projects, and ground-up developments, with a focus on creative deal structuring and hands-on partnership. With a deep understanding of real estate finance and a commitment to execution, we help investors maximize opportunities and drive successful outcomes.
We fund the deals banks won't touch: fix and flip, bridge, ground-up construction, and DSCR rental loans, nationwide. Send the address, purchase price, rehab budget, and ARV, and you get a real answer instead of a maybe.
WHAT WE FUND
Fix & Flip / Rehab: purchase plus rehab on one loan, short-term, built for investors who need to close fast and get to work.
Bridge & Transactional: grab the deal now, refinance or sell later.
New Construction: ground-up financing for spec builds and infill lots.
DSCR Rental Loans: qualifies on the property's rent, not your W2 or tax returns. 1-4 units and small multifamily. The workhorse for BRRRR refis and portfolio scaling.
Non-QM / Bank Statement: for self-employed borrowers that conventional underwriting keeps killing.
Conventional & Government: when it is genuinely the cheaper answer, we will tell you.
WHO WE WORK WITH
First-time flippers who need someone to actually walk them through draws and timelines.
Experienced operators scaling past the point where conventional financing stops working.
Wholesalers who need a lender their end buyers will actually close with, and proof of funds letters that hold up.
HOW WE WORK
No tax returns and no DTI on our investor products. Underwriting looks at the deal, not your day job.
You get a straight answer on structure. If the numbers do not work, we tell you why and what would make them work.
We do not compete on being the cheapest quote on the internet. We compete on getting complicated deals closed.
ABOUT KELLY
Kelly Atchison, NMLS #1408085. Licensed mortgage loan originator with NEXA Mortgage and a licensed real estate agent, based in Denver, lending to investors nationwide. She also trains loan officers on investor and commercial lending, so the person structuring your deal teaches this for a living.
Have a deal in front of you right now? Send the numbers through the contact form or call (720) 476-8776 and we will structure it.
We offer Investor focused lending products with limited document requirements and industry disrupting low fees. Our founder, Ashley Abbott is a seasoned investor with over 80 rental doors who built this company with the mind-set of delivering loan products that satisfy every rental investor and fix and flippers needs. We require no bank statements, no W-2, and no tax returns for our loans. We require no verification of funds or reserves on purchase and refinance so no bank statements ever! We also accept new appraised value with no seasoning. You can buy a house today for 100k and we will accept your 150k appraisal tomorrow and refinance based on new value immediately. We are truly your NO Red Tape lender. Combining our simple process with industry low fees and competitive rates is what has made us incredibly successful as the go to source for investors.
WE FUND OPPORTUNITIES.
You bring experience and closing capital, -- we bring funds across fix & flip, rental (DSCR), bridge, and ground-up construction, matched to your specific project and situation.
We help tune your investment strategy, analyze deals, and secure the best available terms.
NewTree Capital Resources provides secured business purpose financing. We do not offer consumer loans or personal loans for household, family, or personal use. All funding is subject to underwriting, verification, and approval. Terms and conditions vary by project.
Pimlico Capital provides real estate investors with a flexible and efficient process, quick turnaround times, and an unmatched personalized relationship. We offer short-term hard money loans for investment property acquisition and construction, as well as long-term no-doc DSCR cash-out and rate and term refinances.
Based in New England, Tailor Ridge Capital Management, LLC specializes in financing fix-and-holds, condo conversions, fix-and-flips, and ground-up construction projects giving investors a competitive edge with tailored solutions and deep local expertise. With a team of seasoned real estate investors, lenders, attorneys, and financial professionals, they’ve grown rapidly since launching in 2020, and now operate through their REIT, expanding beyond New England.
Use the BiggerPockets Lender Finder to match with lenders who fund the kind of deal you are doing in Massachusetts
Ask in the BiggerPockets forums, where investors name the lenders they have actually closed with
Check the NMLS number on any lender before you share financial details
Attend a local Massachusetts meetup and ask who other investors use
Investment property financing, explained
How many hard money lenders serve Massachusetts?
198 lenders serving Massachusetts offer hard money, private or non-QM loans, the category that covers hard money financing, as of November 13, 2026. Tell us about your deal and we'll match you with the ones who fit it.
What does a hard money loan cost?
Most hard money loans run 9 to 14% interest plus 1 to 3 points, with first-time borrowers usually at the higher end. Expect added fees for underwriting and rehab draws. Loans typically cover up to 70 to 75% of the after-repair value (often capped at 85 to 90% of purchase plus rehab), last about 12 months, and can close in 5 to 14 days, so plan your exit, a sale or a refinance, before you close.
