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Hard money lenders in Massachusetts

Browse 198 lenders offering hard money loans in Massachusetts as of November 13, 2026. Compare NMLS numbers, specialties and markets served.

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All 198 lenders offering hard money loans in Massachusetts

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  • United Trust Mortgage

    NMLS #2591548

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Foreign National Loan
    • +1 more

    United Trust Mortgage specializes in investment property financing for real estate investors nationwide, with a strong focus on DSCR, business-purpose, and non-QM loan solutions. We work with first-time and experienced investors alike, offering flexible financing options for rental properties, short-term rentals, multifamily, and portfolio expansion strategies. Our approach is built around speed, communication, and problem-solving. We help investors structure deals that traditional banks often cannot accommodate, while providing direct access to experienced loan professionals throughout the process. With thousands of borrowers served, our goal is simple: make investment financing straightforward, efficient, and reliable.

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  • Upright Lending, LLC

    No NMLS on file

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • Fix & Flip
    • +4 more

    Upright Lending is a national private lender that treats every borrower as a partner. Whether you've done 50 deals or none, you get deep capital, straight pricing, and a team that becomes an extension of yours. The same speed, technology & terms that let seasoned investors scale are what make Upright a safe place to do your very first deal. We fund the full investor lifecycle: residential fix-and-flip, new construction, and bridge programs, plus 30-year DSCR (Debt Service Coverage Ratio) loans that qualify on the property's cash flow. You'll know your rate, leverage, and terms immediately, and once you're building, rehab draws are inspected and released fast so your project and your cash keep moving. Our Borrower Portal puts it all at your fingertips: payments, maturity, draws, your team, and every document in one place, with construction management & tooling built in. We're growing fast, and that growth works in your favor: more capital, sharper pricing, expanding tooling, and more ways to fund your next deal. If you want a lending partner invested in your long-term growth, not just your next transaction, let's talk.

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Investment property loan types in Massachusetts

  • DSCR loans

    Qualify on the property's rental income rather than your own. Common for buy-and-hold investors with several properties or self-employed income.

  • Fix-and-flip loans

    Purchase plus rehab in one facility, drawn in stages as the work is signed off.

How to find a lender in Massachusetts

  • 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.

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