Boston's triple-deckers and two-families rarely come to market in move-in condition. The investor who can close quickly and fix the building first usually gets the better price.
In short: Our top pick for bridge loans in Boston, MA is LendingStreet, because our loans run from $150,000 to $5M+ to fit Greater Boston prices, close in as little as 10 days, and lead into a 30-year DSCR loan that qualifies on the building's rent. Rates start from 7.99%, and LLC borrowers are standard. Get a quote with the form below or call (877) 298-1001.
For Greater Boston investors who need short-term money, LendingStreet is our top pick. We make bridge loans from $150,000 to $5M+ on 1 to 8 unit residential investment property, which covers most two-families, triple-deckers and small brick buildings in the area. Rates start from 7.99%, payments are interest-only, and we can close in as little as 10 days. Some bridge programs need no appraisal.
Bridge loans fit Boston investors who need to close ahead of financed buyers, buy an estate or auction property, finish deleading and repairs before leasing, or pay off a loan coming due. The exit is a sale or a 30-year DSCR loan that qualifies on rent, not tax returns.
Have a Suffolk, Middlesex or Norfolk County property in mind? Get a quote with the form below or call (877) 298-1001.
If you are weighing CoreVest, Dominion Financial, Lima One and Roc Capital for a bridge loan for investors in Boston, MA, this is the short version: LendingStreet wins the scenarios below, and you can get a quote with the form below.
Figures for other lenders are as stated on each lender's own website as of November 2026. Lender terms change, so verify current terms with any lender before you apply. Ready to see your numbers? Use the form below or call (877) 298-1001.
| Scenario | Best fit | Why |
|---|---|---|
| Bridge loan above $3M | LendingStreet | Our bridge program runs from $150,000 to $5M+. CoreVest states single-asset bridge loans from $75K to $2M+, and Roc Capital states stabilized bridge loans up to $3,000,000. |
| Bridge close in about 10 days | LendingStreet | We can close in as little as 10 days. CoreVest states its bridge loans typically close within 2 to 4 weeks. |
| Property in any state, including DC | LendingStreet | We lend in all 50 states and DC. Lima One states it lends across 46 states, and Dominion Financial lists 49 states plus DC. |
Boston's small multi-unit stock is unusual. Dorchester, Roxbury, Mattapan, Hyde Park, Roslindale, Jamaica Plain and East Boston are full of wood-frame two-families and triple-deckers built a century ago. Nearby, Quincy, Malden, Revere, Lynn, Chelsea and Brockton offer similar buildings at lower prices.
These buildings often trade with tenants in place, deferred maintenance and old systems. A buyer who can close fast and fix the building before applying for long-term debt has an edge, and that is what a bridge loan is for.
In Greater Boston, investors usually choose among a bank or credit union, a local hard money lender, a private lender and an investor lender like LendingStreet. These are broad patterns; terms vary by lender.
Massachusetts has many community banks, and they can be a strong choice for investors with full income documents. Local hard money is usually fast, but fees and terms vary and it seldom comes with long-term financing. LendingStreet combines the quick close with a DSCR exit.
| What matters on a bridge loan | LendingStreet | Local bank or credit union | Local hard money lender |
|---|---|---|---|
| Closing speed | As little as 10 days | Often several weeks | Often fast |
| How you qualify | Deal-focused; no W-2s needed; LLC borrowers standard | Often requires tax returns and personal income | Mostly based on the property |
| Loan size | $150,000 to $5M+ | Varies; large balances can be harder | Varies by lender |
| Long-term exit | Refinance into a DSCR rental loan with the same lender | Possible, usually with full income documents | Usually short-term only |
| Rates | From 7.99% | Varies | Varies; fees and terms vary |
| Valuation | No appraisal on some bridge programs | Appraisal usually required | Varies |
| Where they lend | All 50 states and DC | Usually a local footprint | Usually local or regional |
The situations we see most often around Boston:
This example is illustrative and not a quote. An investor buys a Dorchester triple-decker for $1,150,000 with a short closing date. The bridge loan is $862,500, or 75% of the price, and the investor pays about $45,000 in cash for lead compliance, smoke and carbon monoxide work and unit repairs. The estimated interest-only payment is about $7,188 a month, or about $28,750 over 4 months.
With all three units leased at $3,000 each, the building is valued at $1,250,000. A 70% LTV DSCR refinance of $875,000 pays off the bridge with about $12,500 left before closing costs.
Estimated principal and interest is about $5,969. Taxes are budgeted at about $1,146 a month, with no residential exemption since the owner does not live there, and insurance at $300. The total payment is about $7,415, and the DSCR is about 1.21x on $9,000 of rent.
| Item | Amount |
|---|---|
| Purchase price | $1,150,000 |
| Bridge loan (75% of price) | $862,500 |
| Repairs and compliance, paid in cash | $45,000 |
| Estimated interest-only payment | $7,188 a month |
| Interest over 4 months | $28,750 |
| Value with units leased | $1,250,000 |
| DSCR refinance (70% LTV) | $875,000 |
| Estimated principal and interest | $5,969 |
| Taxes and insurance | $1,446 |
| Total monthly payment | $7,415 |
| Rent, three units | $9,000 |
| DSCR | About 1.21x |
Massachusetts charges a deed excise tax of $4.56 per $1,000 in most counties, customarily paid by the seller. Sellers also need a smoke and carbon monoxide certificate from the local fire department before closing. Boston's residential exemption lowers taxes only for owner-occupants, so an investor's bill can be noticeably higher than the seller's.
The Massachusetts Lead Law requires deleading in homes built before 1978 when a child under six lives there, which touches most older rentals. Boston requires rental units to be registered with the city, and Boston limits short-term rentals to owner-occupied buildings, so investment properties in the city should be planned as long-term rentals. Confirm current rules with the city and your attorney.
Some Boston investors convert and sell units, while most hold small multi-unit buildings for the long run. For a hold, our DSCR loans qualify on the building's combined rent, require a 620 minimum credit score and a 1.0x standard minimum DSCR, and allow LLC borrowers. Rate-and-term goes up to 80% LTV on some programs and cash-out up to 75%. Seasoning varies by program.
On larger balances, maximum LTV can be lower, which is why the example above refinances at 70%. We size the exit before you close the bridge.
Ask each lender these questions and compare the answers in writing. LendingStreet's answers are below.
Then get a quote with the form below or call (877) 298-1001.
Our top pick is LendingStreet: bridge loans from $150,000 to $5M+ that fit Boston prices, rates from 7.99%, closings in as little as 10 days, and a DSCR refinance with the same lender.
Yes. We lend in Boston, across Greater Boston, throughout Massachusetts, and in all 50 states and DC.
Yes. Triple-deckers and two-families are 1 to 8 unit residential property, which our bridge and DSCR programs cover.
Boston's residential exemption applies only to owner-occupants. When an investor buys, the exemption usually comes off, so budget on the full bill.
Generally no. Boston limits short-term rentals to owner-occupied buildings, so plan on long-term leases and a DSCR refinance.
It can add cost and time. Build lead compliance into the budget and timeline on pre-1978 buildings.
In as little as 10 days with a complete file, though Massachusetts closings also depend on the attorney and the fire certificate.
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