Hard Money Lenders Boston Massachusetts Deals Closed Fast
We connect Boston real estate investors with capital sources in our network for fix and flip, bridge loans and DSCR rental financing across the Greater Boston metro. Asset-based approval with no income verification. Close in 7 to 14 business days.
Loan Parameters
Boston hard money at a glance
Programs vary by capital source. Final terms disclosed at offer.
$150K to $8M+
Loan Amounts
Up to 75% ARV
Max LTV
24 to 48 Hours
Approval Speed
6 to 24 Months
Loan Term
Why Boston investors choose Buckle Up Capital
Top 5 US Fix-and-Flip Market for ARV Premiums
Boston consistently ranks among the five highest after-repair value markets in the country. Renovated properties in Roxbury, Dorchester and East Boston command premium sale prices that create wide margin for experienced fix and flip investors. Capital sources in our network underwrite to Boston comps and recognize the strong post-renovation demand from owner-occupant buyers.
250K+ Student Population Drives Rental Demand
Harvard, MIT, Tufts, Boston University and Northeastern together draw more than 250,000 students into the Greater Boston metro. That population creates persistent high-occupancy rental demand across Jamaica Plain, East Boston and neighborhoods adjacent to each campus. DSCR rental loan underwriting in Boston is supported by market fundamentals that most metros cannot match.
Triple-Decker Market Unique to New England
Boston's triple-decker housing stock is a product type unlike anything in most US markets. Two-family and three-family homes in Dorchester, Roxbury and Jamaica Plain allow investors to live in one unit while renting the others, or to fully convert and hold as a rental portfolio. Capital sources in our network are familiar with New England multi-family underwriting and fund 2-4 unit projects across the metro.
Boston neighborhoods we fund
Roxbury
One of Boston's most active up-and-coming investment corridors. Roxbury sits adjacent to the South End and benefits from significant spillover demand as buyers priced out of premium neighborhoods look for value. Fix and flip investors are targeting triple-deckers and multi-family properties throughout Roxbury. Capital sources in our network fund Roxbury acquisitions with asset-based underwriting and fast closes.
Dorchester
Boston's largest neighborhood by area and one of the most active for fix and flip and buy-and-hold investors. Dorchester offers a wide range of property types from triple-deckers to larger multi-family buildings at entry prices well below core Boston. The Fields Corner and Codman Square sub-markets are particularly active. Hard money bridge financing through our network closes fast on Dorchester deals.
South End
A premium neighborhood with strong buyer demand for luxury condo conversions. The South End's Victorian brownstones and row houses convert well to high-end condominiums that sell at some of the strongest price-per-square-foot figures in the entire metro. Hard money lenders in our network understand South End conversion underwriting and can size loans to the projected as-completed value.
Fort Point and Seaport Adjacent
The transformation of Fort Point and the Seaport District into Boston's tech and innovation hub has created ripple demand in adjacent blocks. Industrial and commercial buildings in this corridor are attractive conversion targets for experienced investors. Capital sources in our network fund bridge and new construction loans on projects in and around Fort Point and the Seaport.
East Boston
East Boston has emerged as one of the highest-conviction value-add neighborhoods in the metro. Strong rental demand anchored by the Logan Airport employment base and growing Latin American community creates steady occupancy. Fix and flip investors are active across East Boston's dense residential blocks. Our network funds acquisitions with quick approval and competitive LTVs.
Jamaica Plain
A walkable neighborhood with strong demand from young professionals and graduate students attending nearby Boston University and Harvard. Jamaica Plain offers a mix of Victorian triple-deckers, condominiums and small apartment buildings at prices below the South End and Back Bay. DSCR rental loans and fix and flip financing are both active in Jamaica Plain through capital sources in our network.
Hard Money Loan Programs Boston
Fix and Flip Loans
Boston's aging triple-decker and Victorian housing stock creates strong rehab opportunities throughout Roxbury, Dorchester and East Boston. Capital sources in our network finance both the acquisition and renovation costs, with construction draws released as work is completed. Boston's premium post-renovation buyer pool supports aggressive but disciplined after-repair values across the metro.
Bridge Loans
Boston is a competitive market where speed determines whether you get the deal. Short-term hard money bridge loans from capital sources in our network close in days, giving Boston real estate investors the ability to secure a property before conventional lenders could clear underwriting. Bridge financing is especially valuable in tight sub-markets like Jamaica Plain and East Boston where off-market deals move fast.
Luxury Condo Conversion Loans
The South End, Fort Point and adjacent neighborhoods offer compelling opportunities to convert Victorian row houses and industrial buildings into high-value condominium units. Capital sources in our network structure short-term hard money financing for condo conversion projects, sizing loans to the as-completed condominium value and managing draws through the construction phase.
How to qualify for a Boston hard money loan
Qualifying for a hard money loan in Boston is straightforward compared to conventional bank financing. Capital sources in our network underwrite on the asset, not the borrower. The primary qualification factors are the property value, the loan-to-value ratio relative to after-repair value and a credible exit strategy such as a sale or refinance into a long-term DSCR rental loan.
A minimum 600 credit score applies on most programs, though a strong deal in a well-priced Boston neighborhood matters far more than the score itself. First-time real estate investors are accepted on select programs. Experienced Massachusetts investors with a completed fix and flip track record qualify for better pricing and higher loan amounts. There is no debt-to-income calculation and no cap on the number of investment properties you can carry.
Buckle Up Capital is a broker, not a lender. We connect you with capital sources in our network who compete to fund your Boston deal, giving you access to multiple loan programs without approaching each private money source individually.
Credit Score
600 minimum. Files above 640 and 680 receive better pricing.
Down Payment
10 to 25% of purchase price depending on program and LTC.
ARV Underwrite
Loan sized to 70 to 75% of after-repair value.
Loan Amount
$150,000 to $8,000,000+ per Boston project.
Experience
First-time investors accepted on select programs.
Reserves
3 to 6 months of payments preferred after closing.
Income Verification
None required. Asset-based underwriting only.
Property Types
SFR, 2-4 unit, multifamily, triple-deckers, condo conversion, light commercial.
Boston hard money lender questions
All loans facilitated by Buckle Up Capital are for business and commercial purpose only. Buckle Up Capital is a broker, not a lender. Loans are placed with capital sources in our network. Rates and terms vary by capital source and are not a commitment to lend.
Ready to fund your next Boston investment property?
Submit your Boston deal and we will run it through our network of capital sources across Massachusetts. No credit pull. No commitment. Term sheet in 24 to 48 hours.
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