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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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  • Capital Chat

    No NMLS on file

    385 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +6 more

    Capital Chat provides fast, reliable financing for real estate investors—funding in just 5–7 days with no income verification, no tax returns, and no application fee. Qualified investors can access up to 95% LTV, 100% rehab funding, and quick desktop appraisals for qualified rehab loans. Our programs are designed for a wide range of investors, including first-timers, those with low credit, foreclosures, or tax liens. We specialize in real estate deals designed to secure maximum financing, gain quick liquidity, and enable investors to leverage more deals simultaneously. Get a free quote today! FIX & FLIP QUOTE gocapitalchat.fillout.com/fixandflip NEW CONSTRUCTION QUOTE gocapitalchat.fillout.com/newconstruction DSCR LONG-TERM RENTAL QUOTE gocapitalchat.fillout.com/dscrrental FIX TO RENT gocapitalchat.fillout.com/fixtorent PORTFOLIO LOAN gocapitalchat.fillout.com/rentalportfolio COMMERCIAL & RURAL PROPERTIES gocapitalchat.fillout.com/preapproval

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  • 850Floyd Financial

    No NMLS on file

    343 forum posts

    • Hard/Private/Non-QM
    • Fix & Flip
    • Rehab for Buy & Hold

    850Floyd financial helps real estate investors and business owners access flexible funding solutions to start, grow, and scale there business’s. I specialize in helping fix and flippers, rehabbers, and business owners obtain capital to start or continue their projects.

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  • NEXA Lending- Investors Edge Concierge

    NMLS #144511

    280 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Bridge Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +11 more

    I’m an investor-focused lender and on-the-ground partner in the Indianapolis market, working with local, out-of-state, and out-of-country investors who want to build and scale rental portfolios here. On the lending side, I sit in a unique spot. I handle traditional “bank-style” loans (conventional, agency, and portfolio), I have commercial lending options for larger and 5+ unit deals, and I also have access to private money and hard money for fix-and-flip or short-term bridge needs. That mix lets me help you map out the financing strategy from first purchase through long-term scaling instead of just quoting a one-off rate. Alongside that, I run an Investor’s Edge Concierge (IEC) model for Indy investors. Think of it as an a la carte, end-to-end support system: acquisition help (on- and off-market), numbers/underwriting support, financing structure, light rehab oversight, and handoff to property management. You can plug into just one piece or let us help you from “I’m interested in Indy” all the way through closing and stabilization. Whether you’re adding a few doors locally or trying to build a remote portfolio in Indianapolis with a trusted team on the ground, my goal is to make decisions simpler and execution smoother—so you can focus on growing your wealth, not chasing down all the moving parts.

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  • Frontier Funding LLC

    No NMLS on file

    254 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +7 more

    We finance investment properties with fast and easy no-doc loans. When banks say no, we say yes. Short term and long term no doc loans for investment properties nationwide No credit options No appraisal options Quick close Any FICO and any property type Up to 100% funding for experienced investors 1-4 family Bridge loans Fix and flips Bridge loans DSCR Ground up construction Foreclosure bailouts Retail, industrial, warehouse Hotels/Motels Multi Family 5+ Restaurants/Bars Strip clubs Mobile home park Daycare Automotive Marinas

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  • Brooklyn Funding Group

    No NMLS on file

    209 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • DSCR (long-term rental)
    • +6 more

    We are Brooklyn Funding Group, New York's premier direct lender FUNDING NATIONWIDE! We've closed over $120 million in loans, specializing in Fix & Flip, DSCR, and custom loan solutions. We're proud to be the nation's first and only black-owned hard money lender, dedicated to serving all communities with innovative financing and unparalleled expertise. Our team is composed of industry leaders and creative problem solvers committed to guiding you through every step of your investment journey. Whether you're a first-time investor or a seasoned pro, we offer tailored solutions to fit your unique needs, ensuring your projects are not just funded but destined for success. We believe in more than just lending; we believe in partnership. With numerous accolades and a strong presence in the community, Brooklyn Funding Group is your trusted ally in building wealth and achieving long-term prosperity. Experience the difference with a lender that prioritizes your vision, efficiency, and success. Join us and let's build your real estate future together. Your journey to success starts here.

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  • West Capital Lending

    NMLS #1566096

    206 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +12 more

    I don’t just offer loans, I structure financing that helps you scale faster, protect your cash flow, and win more deals in competitive markets. With access to dozens of lenders and investor-focused products, I make sure you’re never leaving money or opportunity on the table.

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  • Conrad Mortgage

    NMLS #1686046

    168 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +14 more

    We specialize in helping investors succeed and grow their business with knowledge and over 20 years in the business experience. We also have access to all types of loan products, even if we aren't offering an inhouse product we can broker it. We have a very well developed network within the real estate community. Call or text 330-548-4430 | [email protected]

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  • Bello Mortgage powered by Coast2Coast Mortgage

    NMLS #376205

    160 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +14 more

    Mortgage brokers who actually shop! Bello Mortgage team has closed with over 80+ lenders in the last 2 years. Many lenders can say they work with a lot of lenders, most close 80% of their loans with one lender. Bryan is an active real estate investor with over 29 years of lending industry experience, having completed his first refinance in 1997. We specialize in investor-focused financing solutions—including DSCR loans, HELOCs, and HELOANs—matching your exact strategy with the optimal lender guidelines and rates. Bryan has ranked in the top 1% of loan officers 5 or the last 6 years. We look forward to helping with your mortgage needs!

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  • Navigator Private Capital

    No NMLS on file

    145 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +5 more

    As a direct private lender, Navigator Private Capital fills the void left by traditional lenders. We offer loan packages designed around each client's specific needs— no cookie-cutter financing here. Our loans are based on the value of the property itself or its rental potential so we don’t qualify you based on your income. With no W-2s or tax returns required, we can approve your loan quickly with highly competitive rates and terms. We offer short and long-term investment loans on non-owner-occupied property, including fix and flip, rental/DSCR, new construction, and bridge loans. Unlike the big banks, we can be nimble and creative when it comes to crafting loan vehicles —focusing on the unique needs of each borrower. We provide our clients with a simple, straightforward application process —accessible online whenever is convenient, day and night. Fast approvals make putting together a winning bid easy. And, once a loan has closed, getting access to funding is a matter of a few keystrokes. If you are searching for a financial partner who will support you throughout your ENTIRE real estate investment journey, you have come to the right place.

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  • Pacific Equity & Loan.

    No NMLS on file

    137 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • Fix & Flip
    • Ground Up & Land Dev. Loan
    • +2 more

    Current Terms for Flips and New Construction: 5% Down Program - As little as 5% Down - For Experienced Real Estate Investors - Qualifying Fix & Flip & New Construction Projects Premier Program - As low as 9% Interest - As low as 0.50 pts Origination Contact us to get started. https://calendly.com/pacificealsales/pacific-equity-loan-interest-call

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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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