Residential investment financing across Massachusetts’s major metropolitan areas. Bridge, DSCR, fix & flip, new construction, and build-to-rent programs.
Massachusetts is the largest-check state in our Northeast footprint. Boston-metro medians north of $580K mean six and seven figure loans are the norm rather than the exception, and the investor playbook here is appreciation, forced equity, and refinance velocity rather than cap-rate cash flow. Property taxes around 1.22% and slower eviction process keep pure buy-and-hold math tight; the money in Massachusetts is made on the value-add.
The state's signature asset is the triple-decker: tens of thousands of century-old three-family buildings across Dorchester, Worcester, Springfield, Lowell, and Lawrence, built for exactly the kind of unit-by-unit renovation and condo-conversion strategies that bridge capital is designed for. The gateway cities offer basis 40 to 60% below Boston with tenant demand backstopped by universities and hospitals.
Two Massachusetts-specific factors worth underwriting early: the state's lead paint law effectively requires deleading budgets on pre-1978 rentals, and the 2024 Affordable Homes Act made ADUs under 900 square feet legal by right statewide, which quietly created an add-a-unit play on single-family lots across the entire state.
We lend across Massachusetts’s major metropolitan areas. If your project is in or near one of these markets, we want to hear about it.
Every loan program we offer is available to qualified borrowers and properties in Massachusetts.
Short-term capital for acquisitions, dispositions, or refinances. Close in as little as one week.
Learn More30-year fixed financing based on property cash flow. Ideal for scaling or holding a rental portfolio.
Learn MoreAcquisition and renovation capital for value-add residential projects.
Learn MoreCapital for home builders to leverage their lot position and break ground on new residential projects.
Learn MoreFinancing for purpose-built rental communities and single-family rental developments.
Learn MoreWe underwrite Massachusetts regularly, from $500K single-family acquisitions to $2M+ refinances in Boston's western suburbs. Larger checks are the point here: our programs go to $5M, which covers most of the residential value-add stock in the Boston metro, and Massachusetts price points fit our box naturally.
The state is also friendlier to private capital than its tenant-side reputation suggests: Massachusetts is a non-judicial, power-of-sale foreclosure state, which keeps recovery frameworks efficient and pricing competitive. Every Ledger loan is a business-purpose loan to an entity, qualified without tax returns, with term sheets in about a day and closings in 3 to 4 weeks.
The classic Massachusetts play. Acquire century-old three-families in Dorchester, Worcester, Springfield, or Lowell, renovate unit by unit, and exit to condo conversion or DSCR refinance. Bridge capital is built for exactly this rehab-and-reposition cycle.
Worcester, Lowell, Lawrence, and Springfield offer basis 40 to 60% below Boston with tenant demand backstopped by universities and hospitals. Buy under-managed multis at $180K to $280K a unit, renovate, and refinance into long-term holds.
The 2024 Affordable Homes Act made sub-900-square-foot ADUs legal by right statewide as of February 2025. Add a unit on single-family lots in strong school districts and rail corridors, then refinance on combined income. Construction financing covers the build.
Back Bay, Seaport, Cambridge, and the streetcar suburbs attract deep buyer pools at exit. Bridge financing for acquisition and light value-add, with exits to sale or long-term refinance. Larger checks, faster velocity.
Our team has deep experience financing residential projects across Massachusetts. Reach out to discuss your next deal.
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