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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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  • Nworie Capital.

    No NMLS on file

    5.0 (1) · BiggerPockets reviews55 forum posts

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

    Due to high volumes, we are currently only accepting applications for borrowers who have properties under contract and/or are looking to close within the next 3-4 weeks. Nworie Capital has helped hundreds of investors with Fix-n-Flip, Fix-to-Rent, and DSCR loans throughout the United States. We specialize in residential 1-4 unit properties, but we also provide lending for ground up construction and small commercial properties in addition to Transactional and EMD funding. Based in San Antonio, we have a strong focus in the Texas market and provide additional lending options to our Texas borrowers that are not available everywhere else. "We minor in rates. We major in flexibility." ✔️ Minimum loan amount of $100,000 ✔️ Minimum FICO 650 ✔️ Renovation loans, minimum 10% down ✔️ Competitive Rates for DSCR loans ✔️ Cash Out Refi max 75% of As-is Value

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  • Levine Capital

    NMLS #715812

    54 forum posts

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

    Levine Capital, a nationwide private lender, is supported by a robust network comprising family, friends, and institutional backers. Our core mission is to supply financing solutions tailored for the acquisition, renovation, and construction of various real estate projects, including single-family homes, multifamily dwellings, and mixed-use properties.

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  • Get Brick Capital

    No NMLS on file

    53 forum posts

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

    We fund deals banks and other lenders turn down. We offer: NO-Seasoning Cash-Outs, LTR+STR Purchases, Loans between $50K-$5mil, 50-Property Portfolio Packages. Flexible financing built for investors on the move. We’ll even throw out low appraisals or sign your preferred appraiser to our AMC panel to keep your deal alive. Oh and if you prefer, we can communicate and fund your entire deal over — TEXT — no phone calls needed. Same-day Pre-Approvals and Rate Sheets. 🚀 Our Lending Advantages 💰 Finance long-term and short-term rentals with as little as: – 15% down with a FICO of 740+ – 20% down with a FICO of 680+ – 25% down with a FICO of 660-679 – 35% down for Foreign Investors 🔑 NO-Seasoning BRRRR Cash-Out Refinances – Unlock equity immediately after your rehab without waiting months, so you can recycle capital faster – Up to 80% LTV in certain programs 📊 Flexible Appraisals – If an appraisal comes in low, we can throw it out and order a new one – Or better, even sign up your preferred appraiser to our AMC panel 🏠 Low Loan Amounts Starting at $50K – Fund small balance deals and Section 8 rentals – Property values as low as $75K – Loan amounts as low as $50K 🔒 NO FICO Loan Options – Even with no credit score, we can lend up to 50% LTV, giving more investors access to capital 🔨Up to 100% Renovation Financing – Finance 80-100% purchase price (based on experience) – Finance 100% of the renovation budget, even when it exceeds the purchase price – Experience of 1-2, up to 65% ARV LTV – Experience of 3+, up to 75% ARV LTV 📦 Portfolio Loan Packages – Close on up to 50 properties at once with streamlined underwriting – Ideal for investors scaling at volume 🤝 Trusted by Investors – Backed by 100k+ social media followers across Facebook and Instagram (@thebridgetbrick + @getbrickcapital) and mentioned time and time again as a recommended DSCR lender on Reddit, we’ve built a reputation for funding real deals and other deals that banks can’t At the end of the day, our focus is simple: help real estate investors close more deals with less red tape. Whether you’re scaling with BRRRR, building STR cash flow, packaging 50 rentals at once, or need to cash-out the equity on a Section 8 portfolio, we bring the creativity and flexibility banks can’t. If you’re ready for a lender who understands investors, let’s connect. We send same-day pre-approvals and rate sheets, along with text confirming receipt.

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  • West Hills Solutions, LLC

    No NMLS on file

    52 forum posts

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

    West Hills Solutions, LLC provides private money lending and financing solutions for real estate investors nationwide, with a focus on non-owner-occupied Fix & Flip, Rental/DSCR, BRRRR, Ground-Up Construction, and Commercial investment properties. We work with both new and experienced investors to evaluate opportunities, structure financing, and move qualified projects toward closing. Our services extend beyond financing. We help investors with property selection and vetting, deal analysis, rehabilitation management consulting, property marketing, property and investor lead lists, Proof of Funds letters, Collateral DNA Reports, and appraisal resources. Our approach is built around disciplined analysis, clear communication, and practical solutions. We look at the entire transaction — the borrower, the property, the numbers, the financing structure, and the exit strategy — because a successful real estate investment requires more than simply finding a lender. West Hills Solutions is committed to conducting business with honesty, integrity, professionalism, and a strong work ethic. Our goal is to help investors make better-informed decisions, secure appropriate financing, and build sustainable real estate investment businesses.

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  • Malve Capital LLC

    No NMLS on file

    49 forum posts

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

    Malve Capital is a real estate private lender specializing in various loan types, including bridge loans, fix and flip loans, ground-up loans, and refinance loans. As we are asset-based direct lenders with a strong balance sheet, we are equipped to handle all aspects of the lending process in-house, thus ensuring expedited closing times and the ability to offer flexible rates and terms to our clients. Fast Closing Need to close your deal in 5 days? We’ve done it before, and we can do it again. Our process is fast and painless. Competitive Rates Our rates start at 9%, and our fees are very transparent. Our team members are available to help you estimate closing costs. Good Support Dedicated team member who knows you and your deal. Always available by direct phone number and direct email. Easy Process Smooth process so you can focus on managing your property—very minimal documentation was collected.

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  • LoanBidz

    NMLS #1647914

    4.0 (1) · BiggerPockets reviews40 forum posts

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

    LoanBidz specializes in BRRRR financing, including short-term fix & flip and long-term rental loans (DSCR) from $100k to $3M for real estate investors. We have helped over 6500 borrowers and funded over $1.5B in loans. LoanBidz.com, as an Exchange, has access to all the best private lending options available in the market. 650+ FICO requirement with a minimum of $25,000 in reserves available. We provide investment financing options for the purchase or refinance of non-owner-occupied single-family & multi-family properties in non-rural communities in 40 states. Give us an opportunity to become your lending partner.

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  • Upright

    No NMLS on file

    39 forum posts

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

    Upright is a direct hard money lender with a diverse capital stack — which means we can fund your project, we can fund it fast, and we can continue funding it as each project progresses. With private lenders, you can take on only as many projects as your network can finance. With us, bring us the good deals, and we’ll fund them. Many of our borrower partners double their completed projects when they start working with us.

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  • Express Capital Financing

    No NMLS on file

    35 forum posts

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

    As one of the fastest-growing direct nationwide lenders in the industry, we specialize in providing both short-term and long-term asset-based loans. Our services are tailored to ensure that each investor's unique needs and goals are met in today's dynamic environment. We pride ourselves on our consultative approach, which involves understanding your specific needs and developing a solution that fits you like a glove. Our unique industry knowledge, integrity, and unwavering determination define us in every transaction, ensuring that your financial goals are not just met but exceeded. Welcome to a partnership where your success is our business.

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  • Magnolia Bank

    NMLS #423028

    33 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +6 more

    We specialize in DSCR loans for real estate investors and have years of experience helping investors finance rental properties and grow their portfolios. We understand every deal is a little different, so we take the time to understand what you’re trying to accomplish and help find a financing option that makes sense. DSCR, Bank Statement loans, Conventional, FHA, VA, and USDA financing, we have worked them all. Whether you’re just getting started or building a large portfolio, we want to be a resource you can come back to, not just for one deal, but for the long run.

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  • Cardinal Financial - David Ross

    NMLS #66247

    32 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Conventional Loan
    • Conventional Rental Loan
    • DSCR (long-term rental)
    • +4 more

    I don't just send investors an interest rate and a loan quote. My custom Loan Advisor presentation is part education, part transparency, helping you compare financing options side by side and understand the numbers before making a decision. I walk you through down payment options, interest rates, closing costs, monthly payments, and how the overall cost of a loan can change with different financing structures. It's a visual, easy-to-follow presentation where we can review actual scenarios, answer questions, and identify the financing options that make the most sense for your goals. With over 24 years of mortgage lending experience, I take a hands-on approach to helping investors understand their financing options and navigate the lending process with confidence. Whether you're purchasing your first investment property, expanding your portfolio, refinancing, or accessing equity, I bring the experience and resources to help you achieve your financing goals. My team and I have earned national recognition, including multiple Top 1% Loan Originator honors from Mortgage Executive Magazine and Scotsman Guide. I work directly with my clients, supported by an experienced team that helps keep the lending process running smoothly from application through closing. We combine competitive financing, personalized service, and experienced guidance to deliver consistent results. We provide financing nationwide, specializing in Conventional, DSCR, FHA, VA, refinance, and cash-out loans. I aim to be more than just a lender for one transaction. My goal is to build lasting relationships and become a trusted lending resource you can turn to as your real estate investments grow. If you're considering a property or evaluating financing options, I'd welcome the opportunity to walk you through the numbers and show you what we can offer. **Important DSCR Loan Requirements:** Minimum loan amount is $150,000 for financing up to 80% loan-to-value (LTV). Loan amounts between $100,000 and $149,999 are limited to 70% LTV or lower (at least 30% down payment or equity). DSCR loans below $100,000 are not available.

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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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