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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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  • Helm Mortgage Corp - Juan Yepes, Director

    NMLS #2448506

    132 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +11 more

    I’m the Director at Helm Mortgage Corp., a veteran-led brokerage with 30+ years of experience, 5,000+ loans closed, and access to 100+ lenders. Before Helm, I spent 10+ years on the investor side, where I helped close 5,000+ deals. That's 10,000+ transactions of combined experience working for you. I’ll review your deal like an investor and structure it like a lender. Strategies: Primary or Rental // Purchase or Refinance // House Hacking // BRRRR // Buy-and-hold // Fix-and-flip // Single-family or Multi-family Loan programs: DSCR Short-term or Long-term Rentals // Non-QM // Commercial // Hard Money // FHA // Conventional // VA // USDA Ways to qualify: Rental Income // W-2 Income // Self-employment Income // Bank Statements // Retirement and Asset Income Send me your deal. Message me with the address and your strategy, and I'll show you how I'd structure it and what it takes to close.

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  • Accolend

    No NMLS on file

    118 forum posts

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

    Since 2016 NO points, direct lender with rates starting from 10%. Fast closing, no fees upfront and certainty of execution.

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  • Ziffy Mortgage

    NMLS #1231769

    115 forum posts

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

    Ziffy.ai is the first integrated real estate investment platform where investors can find, analyze, and finance investment properties - all in one place. We provide exclusive investment analytics, including rental yields, ROI calculations, cash flow metrics, and performance forecasts unavailable elsewhere, as well as AI-powered search, investor-focused agents, and specialized mortgage programs (DSCR Loans, Fix-n-Flip, Cashout & Commercial Loans)

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  • Beltway Lending

    No NMLS on file

    102 forum posts

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

    Beltway Lending is a highly specialized “refi shop” for real estate investors, that was also founded by seasoned real estate investors. Our first hand industry knowledge and experience allows us to more quickly understand your goals and financial strengths. Beltway’s team & process are second to none, and our reviews prove it. Having processed over $100 Million in Loans last year, we’ve maintained a perfect 5 star rating. Our highly responsive, dedicated team of specialists is committed to aligning you with the most ideal loan terms for your specific situation. More than anything, we pride ourselves on the fastest, most pain-free lending process in the industry.

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  • Vert

    No NMLS on file

    102 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • Fix & Flip
    • +3 more

    Vert is a national lending business using technology to simplify investment property loans. We deliver custom term sheets instantly through our Instant Quote tool.

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  • Helm Mortgage Corp.

    No NMLS on file

    86 forum posts

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Refinance (investment)

    I specialize in investment property financing and work with both new and experienced investors to structure loans that align with their long-term goals. Through a network of 100+ lending partners, I offer flexible financing options, including DSCR, conventional, bank statement, and non-QM loan programs, with a focus on efficient closings and clear communication.

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  • Kirkland Capital Group

    No NMLS on file

    79 forum posts

    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Refinance (investment)

    Kirkland Capital Group is America's micro-balance commercial real estate bridge loan portfolio lender, providing short-term, flexible financing solutions. As a direct lender, we make in-house loan decisions, ensuring a streamlined and efficient process. Our loan program offers: • Loan amounts ranging from $200,000 to $1.5 million. • Flexible interest-only terms of 12, 18, or 24 months. • Competitive credit requirements, including a minimum credit score of 600 and no bankruptcies or foreclosures in the last 5 years. • First-time commercial buyers allowed. • Consideration for properties in small towns and rural areas. We have a strong appetite for the following property types, with maximum as-is loan-to-value (LTV) ratios as follows: • Multifamily apartments (5+ units): up to 80% LTV on purchases and 70% on refinances. • Mixed-use properties with a residential component: up to 75% LTV on purchases and 70% on refinances. • Light industrial/warehouse properties: up to 70% LTV. • Retail properties (including retail strip, auto repair, car wash, day card, laundromat): up to 70% LTV. • Motel/hotel properties: up to 70% LTV. • Bar/restaurant properties: up to 65% LTV. Our loan program accommodates: • Owner-user properties, provided the business demonstrates the ability to service debt payments. • Investment properties, with no minimum debt service coverage ratio (DSCR) required; however, the property should show the ability to qualify for exit loan to long-term financing. • Lease-option and seller financing take-out scenarios, considered as refinance options based on current as-is value with 1+ year seasoning. • Seller second mortgages allowed up to an 85% cumulative loan-to-value (CLTV). • Flexible cash-out usage, with no limitations on how loan proceeds can be used. We work exclusively with loan brokers. Ask your loan broker if Kirkland Capital's loan program is right for your financing needs. For additional details, please visit https://kirklandlending.com/lending.

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  • Level Up Capital

    No NMLS on file

    73 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • Fix & Flip
    • +3 more

    We provide private, direct loans for fix-and-flips, commercial, rental, and ground-up projects—helping investors close fast and scale confidently. We are based in Michigan, and lend in nearly all 50 states.

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  • Quicker Home Loans

    No NMLS on file

    67 forum posts

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Fix & Flip
    • +2 more

    Quicker Home Loans helps real estate investors nationwide secure DSCR and portfolio loans with fast closings, flexible terms, and highly competitive pricing. Thanks to our large approval box, we’re able to fund deals that many lenders can’t — offering investor-focused solutions that make qualifying easy and closings smooth. We specialize in DSCR, portfolio, blanket, bank statement, and P&L-based loans for residential and commercial investment properties. Whether you’re purchasing, refinancing, or scaling your portfolio, our streamlined process delivers speed, flexibility, and results.

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  • lendingBridge Inc.

    NMLS #966093

    65 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Bridge Loan
    • Conventional Loan
    • +13 more

    We take the confusion out of Home Loan Financing (Mortgage). With lendingBridge™ you’ll get a dedicated lending expert who will take care of your lending needs. We can take care of your specialty mortgage loans (NON QM), adjustable-rate mortgage loans, conventional loans, FHA mortgage loans, jumbo mortgage loans, USDA mortgage loans, and more!

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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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