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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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  • Rehab Financial Group, LP

    No NMLS on file

    14 forum posts

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

    Rehab Financial Group is a private hard money lender providing real estate investors with fix and flip loans, ground-up construction financing, and multi-family hard money loans across 18 states. We offer up to 100% financing for both purchase and rehab costs, so you're not tying up your own capital when the right deal comes along. Our flexible underwriting focuses on the strength of your deal, not just your application. Same-day approvals and closings in as few as 5-10 business days mean you can move quickly in competitive markets. With over $400M funded across thousands of projects, our in-house team works directly with you from application through closing — no handoffs, no chasing updates. Real estate financing for investors who are ready to do more.

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  • The Hard Money Co.

    No NMLS on file

    1.0 (1) · BiggerPockets reviews14 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • Fix & Flip
    • Refinance (investment)
    • +1 more

    We Fund Deals® The Hard Money Co. is a private lender for real estate investors. We do fix & flip, BRRRR, and rental loans, funded nationwide. Close in 7–10 days, not 30–45. No appraisal required, because we value in-house. No credit pull to qualify. Approvals in as little as 24-48 hours. 17+ years in the business. $400M+ funded across 1,000+ projects. 4.7★ from 248 reviews. Brokers: we pay your fee on every deal, and the client stays yours. Have a deal? Send it at thehardmoneyco.com. All loans subject to underwriting.

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  • Alexa Funds It

    NMLS #2469778

    13 forum posts

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

    I specialize in short-term rental financing, non-QM loans, and creative lending solutions for real estate investors across several states. I help self-employed borrowers and portfolio investors explore financing when traditional income documentation or debt-to-income limits restrict their options. My services include DSCR rental loans, bank-statement and 1099 programs, cash-out refinancing, bridge loans, fix-and-flip financing, and ground-up construction. I evaluate each deal’s cash flow, equity, liquidity, and exit strategy to help match the financing to your investment goals. As a third-generation real estate professional, U.S. veteran, and MBA with a background in construction and mortgage operations, I bring practical experience and straightforward communication to complex deals. Alexa Kemp, MBA | NMLS #1990457 @alexafundsit | [email protected]

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  • BluPrint Home Loans NMLS 1686046

    NMLS #1686046

    13 forum posts

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

    At BluPrint Home Loans, we serve a wide array of clients, from first-time homebuyers to both novice and seasoned investors. As your dedicated banking and brokerage partner, you'll benefit from the combined strengths of both worlds. Our firm self-funds its deals, offering a comprehensive suite of loan programs to meet diverse needs. Our offerings include Down Payment Assistance, 15% down DSCR, Commercial Loans, Short-Term Rental Loans, Investment HELOCs, Fixed 2nds, and even Tiny Home Loans. Known for our approachability and creativity, we encourage you to reach out with your unique scenarios. At BluPrint Home Loans, we're always ready to think outside the box to help you navigate your real estate financing needs. Feel free to send us an email with your scenario, and let’s make your property ambitions a reality together!

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  • FMC Capital

    NMLS #1840537

    13 forum posts

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

    Investor loans only: DSCR loans for long-term and short-term rentals, and rehab loans for properties you will keep as rentals (680+ credit, 1 to 4 units). We do not do primary residences, owner-occupied homes, fix and flips you plan to sell, ground-up construction, or conventional loans. FMC Capital is a Pittsburgh-based brokerage that works only with real estate investors, with a 5 star rating. We shop multiple investor lenders, send you a written cost estimate the same day, and typically close in about 30 days. - DSCR rentals: purchase, cash-out refinance or rate-and-term refinance, long-term or short-term rental - Rehab for buy & hold: buy and renovate, then refinance into a DSCR loan - 1 to 4 unit properties, $100k minimum purchase price, loan amount $75k+ 680 minimum credit score

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  • Sunflower Bank | Mortgage Lending

    NMLS #642688

    13 forum posts

    • Conventional & Gov.
    • Hard/Private/Non-QM
    • Balance Sheet Loan
    • Conventional Loan
    • Conventional Rental Loan
    • +9 more

    Sunflower Bank Mortgage Lending offers a large variety of mortgage products catered to the seasoned investor to first time buyers and everything in between. Whether you're buying your first home, refinancing, or exploring investment opportunities, I am here to guide you every step of the way. We proudly partner with homeowners, real estate professionals, builders, and appraisers to make the financing process seamless and personalized.

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  • DSCRFlow.AI

    No NMLS on file

    12 forum posts

    • Hard/Private/Non-QM
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • Refinance (investment)
    • +1 more

    DSCRFlow | DSCR Loan Marketplace | Powered by Cornerstone First Mortgage DSCRFlow connects real estate investors with institutional-quality DSCR financing, backed by Cornerstone First Mortgage's 20+ years of lending expertise. Whether you're an investor seeking capital or an industry professional looking to monetize your network, DSCRFlow delivers. For Real Estate Investors: 🏦 Institutional Backing - Not a broker shop. Cornerstone First Mortgage provides direct lending with consistent execution 📊 DSCR-Based Approval - Qualify on your property's cash flow, not personal income or tax returns ⚡️ No Seasoning Options - Access equity immediately after renovation on qualifying deals 🗺 Nationwide Coverage - Serving investors across 48 states 💰 Competitive Terms - 75-85% LTV | Interest rates from the low 7s | $150K minimum For Industry Professionals — The DSCRFlow Affiliate Program: Turn your real estate network into recurring revenue. If you're a coach, content creator, agent, or anyone with an investor audience, DSCRFlow pays you for referrals. 💵 0.5-1% Commission Per Funded Loan - Earn $1,500-$5,000+ on typical deals depending on loan size 🔗 Trackable Referral Links - Real-time dashboard shows your pipeline and earnings 🤝 White-Glove Support - Our loan officers close deals; you collect checks 📈 Passive Income Engine - One referral can fund months of content creation Who Partners With DSCRFlow: • Real estate educators and coaches • YouTube/Instagram creators in the RE space • Investor-focused real estate agents • Property managers with investor clients • Anyone with an audience of active RE investors Why Cornerstone First Mortgage? This isn't another fly-by-night lender. Cornerstone First is a licensed mortgage company with institutional capital, compliance infrastructure, and a track record of closing deals. When you send borrowers to DSCRFlow, they get real financing—not a bait-and-switch. Connect With Us: 📧 Email: [email protected] 🌐 Borrowers: www.dscrflow.ai (http://www.dscrflow.ai/) 🌐 Affiliates: www.dscrflow.ai/affiliates (http://www.dscrflow.ai/affiliates) 📞 Direct: 619-261-0055 "Your network has value. DSCRFlow helps you capture it."

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  • MINO Lending Solutions

    No NMLS on file

    12 forum posts

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

    MINO Lending Solutions is a full service, nationwide lender focusing on the growth of its real estate investor and property management partners. MINO Lending Solutions specializes in DSCR, Fix and Flips, Short-Term Rentals, Hard Money, and more!

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  • Your Favorite Lenders

    NMLS #2063552

    12 forum posts

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

    Your Favorite Lenders has been voted Top Lender in Orange County CA for 2 years straight in the OC register. Our curated and tailored servicing to Investors is what sets us apart from the rest of the market. Product highlights 🏠🚀 Fast 50 -Fast and easy DSCR alternative -No Minimum Fico Score -No Minimum DSCR Requirement -Max LTV (50%), High Equity!! -30 Year Term 🏠😱 90 CLTV DSCR -Flexible and Fast DSCR -Lower Liquidity Requirement -Seller Carry or 2nd's allowed! -30 Year Term 🏠🛠️ Fix N Flip Flagship -90/100/90% LTC -Payments eligible to be rolled into loan on top of max Leverage 🤯 -No PPP or minimum earned guarantee period 🏠🚧 Ground Up Construction -75/100/90% LTC -Payments eligible to be rolled into loan on top of max Leverage 🤯 -Standard 24 Month Term! We are also able to help investors who have complex and protective Entity structures. -Trust? No Problem! -LLC owned by other companies? No Problem! -A mix of the two? Nothing we can't handle!!

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  • Lendabl

    No NMLS on file

    10 forum posts

    • Hard/Private/Non-QM
    • Bridge Loan
    • DSCR (long-term rental)
    • DSCR (short-term rental)
    • +2 more

    At Lendabl.AI, we provide alternative financing solutions for real estate investors. From DSCR loans to Fix & Flip loans, we offer options that traditional banks won't. At our core, we believe financing should be accessible, transparent, and built around real-world needs. That's why we're committed to delivering fast approvals, simple underwriting, and personalized support to empower investors to achieve their goals with confidence. If you're looking for financing for real estate investors, Lendabl is your trusted partner.

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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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