In Massachusetts, the triple-decker is the classic large bridge deal: a three-unit house in Dorchester, Somerville or Worcester bought for over a million dollars, renovated, deleaded and leased. Add Cape Cod rentals and high-value suburban homes, and the state has plenty of seven-figure investor bridge loans.
In short: Our top pick for large bridge loans in Massachusetts is LendingStreet. It funds residential investor bridge loans from $150,000 to $5M+ on 1-8 unit properties, with rates from 7.99% and closings in as little as 10 days. Massachusetts investors can also plan their exit with LendingStreet's DSCR and jumbo DSCR refinance loans once the property is finished and leased.
For a $1M+ investor bridge loan in Massachusetts, LendingStreet is the lender we would call first. Bridge loans run from $150,000 to $5M+, these larger files are reviewed case by case, rates start from 7.99%, and closings can happen in as little as 10 days. Payments are interest-only for the short term of the loan.
It fits investors renovating triple-deckers and two-families in Boston, Somerville, Cambridge, Quincy and Worcester, buying high-value rentals in Brookline, Newton and the North Shore, and updating homes on Cape Cod. Every loan is business-purpose, on non-owner-occupied property, and LLC borrowers are standard.
To get started, send the property details with the form below or call (877) 298-1001.
Investors searching for large bridge lenders often compare national names like CoreVest, Dominion Financial, Lima One and Roc Capital. Here is how LendingStreet stacks up on the scenarios that matter most for investors in Massachusetts. In every scenario below, LendingStreet is the best fit.
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. |
Triple-deckers and two-families make up much of the rental housing in Boston's Dorchester, Jamaica Plain, Roslindale and East Boston, and in Somerville, Cambridge, Malden, Quincy and Worcester. Many need new systems, lead paint work and code updates before they can be leased at market rents.
In Brookline, Newton, Lexington and along the North Shore, one rental home can need a seven-figure loan. On Cape Cod, investors buy older homes to update for long-term rentals, subject to local rules.
Estate sales are common in a state with older housing, and investors also bridge to replace a loan that is coming due on a finished renovation or to close before selling another property.
Most Massachusetts investors weigh a few kinds of lenders for a large bridge loan. Each has a place, but for a fast, seven-figure, short-term loan on a 1-8 unit rental with a clear exit, LendingStreet lines up best with what investors need.
| What investors need | LendingStreet | Typical local bank | Typical hard money lender | Private individual lender |
|---|---|---|---|---|
| $1M to $5M+ on one deal | Yes; program to $5M+, larger balances reviewed case by case | Possible, often with full financials | Varies; large loans can be harder | Depends on the person |
| Speed to close | As little as 10 days | Often several weeks or more | Often fast | Varies |
| Payment structure | Interest-only, short-term | Varies | Usually interest-only | Negotiated |
| Entity (LLC) borrower | Standard | Often allowed | Usually allowed | Varies |
| Long-term exit loan | DSCR and jumbo DSCR refinance in-house | Sometimes, often with tax returns | Usually short-term only | Rarely |
| Documentation focus | The property, the plan and the exit | Often tax returns and income | Mostly the property | Varies |
Massachusetts charges a deed excise on sales, which the seller customarily pays, and some islands add their own land bank fee on buyers. Closings usually involve an attorney for the lender, and title costs scale with the loan size.
Boston and several nearby cities offer a residential property tax exemption only to owners who live in the home, so investors should budget taxes without it. The state lead law requires lead hazards to be addressed in homes built before 1978 when a child under six lives there, which often adds to renovation scopes on older buildings. Confirm the details with your city and attorney.
This example is illustrative and not a quote. An investor buys a Dorchester triple-decker for $1,150,000 and plans $230,000 of renovation, including lead work, using a bridge loan of $1,200,000. The exact amount depends on the program and the valuation, and the investor brings $180,000 plus closing costs.
The bridge is interest-only. Estimated monthly interest is about $9,250, so 10 months of carry costs about $92,500. Plan that cash from reserves.
After the work, the property appraises at $1,650,000. The exit is a DSCR refinance at 73% of that value. That loan is $1,200,000. With three renovated three-bedroom units at $3,500 a month each, rent is $10,500 a month. Estimated principal and interest is about $7,984, taxes are $1,500 and insurance is $400, for a total of $9,884. DSCR is about 1.06x, above the 1.0x standard minimum. The refinance roughly pays off the $1,200,000 bridge; closing costs come from reserves.
Have a similar file? Send it through the form below or call (877) 298-1001.
| Item | Amount |
|---|---|
| Purchase price | $1,150,000 |
| Renovation budget | $230,000 |
| Bridge loan | $1,200,000 |
| Estimated monthly interest (interest-only) | $9,250 |
| Carry for 10 months | $92,500 |
| After-renovation value | $1,650,000 |
| Refinance loan (73% of value) | $1,200,000 |
| Monthly rent | $10,500 |
| Estimated principal and interest | $7,984 |
| Taxes and insurance | $1,900 |
| Total monthly payment | $9,884 |
| DSCR | About 1.06x |
A bridge loan is short-term, so the exit matters as much as the purchase. In Massachusetts, most investors either sell the finished property or refinance into a DSCR loan, or a jumbo DSCR loan for balances of about $1.5M to $5M+.
For a refinance, run the numbers on today's rent, taxes and insurance before you close. DSCR loans qualify on the property's rent, not your W-2s or tax returns. Cash-out goes up to 75% LTV, and rate-and-term up to 80% on some programs. On larger balances and on 5-8 units, max LTV can be lower and varies by program. Our bridge-to-DSCR guide walks through the steps.
Before you sign a term sheet with anyone, ask every lender the same questions:
LendingStreet's answers: a program range of $150,000 to $5M+, case-by-case review on the largest balances, rates from 7.99%, interest-only payments, closings in as little as 10 days, entity borrowing, and DSCR or jumbo DSCR refinance options for the exit. DSCR exits use a standard 1.0x minimum, and cash-out seasoning varies by program.
Larger balances usually need a full valuation, and Boston-area appraisers look closely at unit count, legal use and condition. Make sure the city records match the units you plan to rent.
Permits for renovation and lead work, smoke detector and carbon monoxide certificates, and older title issues can all slow things down. Get your insurance quote early.
Send the address through the form below early and we can flag issues before they cost you time.
Our top pick is LendingStreet. It funds 1-8 unit investor bridge loans from $150,000 to $5M+, with rates from 7.99%, closings in as little as 10 days, and an in-house DSCR or jumbo DSCR refinance for the exit.
Yes. LendingStreet lends in Massachusetts and in all 50 states and DC. Loans are business-purpose loans on non-owner-occupied investment property. Get a quote with the form below or call (877) 298-1001.
LendingStreet's bridge loans have rates from 7.99%. Your rate depends on the deal, the loan size and your experience.
Larger balances usually need a full valuation. Share your scope of work and recent sales so the valuation can move quickly.
LendingStreet can close in as little as 10 days. Bigger loans get more review, so a clean title, insurance quote and clear exit plan help most.
A bridge can be part of your renovation plan, and your budget should include any lead work. Share your full scope of work so the plan and the exit refinance both reflect it.
No. The residential exemption is for owners who live in the home. Budget property taxes at the full rate so your DSCR exit math is realistic.
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