Massachusetts real estate investors: finance rental properties using the property's income — not your personal income. 30-year fixed terms. 660+ credit. LLC borrowing. Close in 10 days. Direct access to 30+ capital sources.
Check My Massachusetts Rate →Massachusetts grew by 6,800 residents in the last 12 months. Growth is focused in metros like Boston, Worcester, Springfield, where rental demand is strongest.
Massachusetts is primarily an appreciation play rather than cash-flow. Average rental yields range from 5.2-6.5% — investors should focus on long-term wealth building rather than monthly cash flow.
Massachusetts has a flat state income tax (Yes (5% flat + 4% surtax above $1M)), providing predictability for residents and investors.
Median home price: $585K · Average rental yield: 5.5% · Vacancy rate: 5.2% · Population growth (12 mo): +6,800 · State income tax: Yes (5% flat + 4% surtax above $1M) · Property tax rate: 1.14%
A DSCR (Debt Service Coverage Ratio) loan is an investment property mortgage that qualifies you based on the property's rental income — not your personal income. That means no W-2 requirement, no tax returns, no employment verification, and no debt-to-income ratio calculation based on your personal finances.
The "ratio" in DSCR measures whether the property's rental income covers its mortgage payment, taxes, and insurance (PITI). A DSCR of 1.0 means rent equals expenses. A DSCR of 1.25 means rent is 25% higher than expenses. Most lenders require a minimum 1.0x DSCR for standard programs. LendingStreet also offers No Ratio DSCR programs that remove the ratio requirement entirely.
DSCR loans have become the default financing method for serious Massachusetts real estate investors because they remove the biggest obstacle — the requirement to document personal income via W-2s and tax returns. Self-employed investors, full-time real estate investors, and anyone with complex income sources find DSCR vastly easier than conventional financing.
4.9M metro. Median $755K. Education (Harvard, MIT, BC, BU, Northeastern), healthcare, biotech. Extreme rental demand.
Central MA hub. Median $385K. Healthcare, universities. Better yields than Boston.
Western MA. Median $265K. Best cash flow in MA.
Boston-adjacent. Median $875K. Premium rents from university proximity.
MA has robust tenant protection laws including strict eviction requirements and mandatory attorney use in certain cases.
Security deposits held in trust, interest earned to tenant, strict documentation requirements.
Boston and other cities proposing transfer taxes on commercial property.
MA transitioning from heating oil to electric. Budget for potential HVAC upgrades.
All case studies are anonymized examples of actual closed deals. Borrower names and exact addresses are not disclosed per privacy agreements.
Yes. DSCR loans qualify based on the Massachusetts rental property's projected income — not your personal income. No W-2, no tax returns required. This is the core benefit of DSCR for Massachusetts investors who are self-employed or have complex income.
DSCR rates in Massachusetts are market-competitive for qualified borrowers with strong credit, DSCR ratio above 1.20x, and 25-30% down. Rates vary based on credit score (660 vs 740+), DSCR ratio, loan-to-value, property type (SFR vs multifamily), and loan amount. Call for an exact rate quote on your specific scenario.
Most Massachusetts DSCR programs require a minimum 660 credit score. Some programs allow 640 with compensating factors like stronger DSCR ratio or higher down payment. 740+ credit qualifies for best pricing.
Yes. LendingStreet DSCR loans in Massachusetts allow borrowing in an LLC or other entity. This is standard for serious real estate investors seeking asset protection.
Massachusetts DSCR loans typically close in 10-21 days from complete application. Some close faster depending on appraisal timing and borrower documentation. Bridge loans on the same property can close even faster — sometimes under 10 days — because they don't require a traditional appraisal.
Yes. Massachusetts DSCR cash-out refinances are available up to 75% LTV. This is how many Massachusetts investors extract equity from appreciated properties to fund the next purchase. The rental income must support the new loan payment at 1.0x DSCR minimum (or qualify for No Ratio DSCR).
Yes. We offer DSCR loans on short-term rental properties in Massachusetts. STR DSCR uses projected AirDNA or actual rental history data rather than traditional long-term lease comps.
Ask about our No Ratio DSCR program. We work with lenders that offer DSCR loans with no minimum ratio requirement — the property doesn't need to cash flow at 1.0x. Requirements: 640+ credit, up to 85% LTV, $100K-$4M loan amounts, not available in all states (currently excludes NY and VT).
No credit pull. No commitment. Speak with a licensed financing firm that knows the Massachusetts investor market.
Check My Eligibility →By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
Investment Property Only • 660+ FICO • $200K+ Loans
🔒 SSL Secured · 256-bit Encryption · ✓ Investment Properties
Or call us directly: (877) 298-1001