Massachusetts Private Lending
Private Real Estate Lending
Built for Massachusetts Investors
Financing shaped to your deal, with one Relationship Manager
handling your fille from the first call to the final wire.
Loans To Fit Every Project
Conventus offers deep industry expertise and a track record of billions funded to real estate investors. Whether clients are flipping properties, building new developments, or investing in rentals, Conventus provides fast, tailored financing solutions that enable investors to act decisively and strategically. Every client interaction emphasizes responsive support and streamlined execution, ensuring financing aligns with their goals.
Fix-and-flip in Massachusetts
Leverage
90% / 100% / 70% ARV
Rate
From 7.75%
Close
5–10 days
Massachusetts has the oldest housing stock in the country, so a flip here is almost always a real renovation rather than a cosmetic refresh. The signature deals are triple-deckers and two-to-four-unit homes across Dorchester, Worcester, and the Gateway Cities, where the value is created in the work.
DSCR rental loans in Massachusetts
Leverage
Up to 75% LTV
Rate
Instant Quote
The triple-decker is the on-ramp from two-to-four-unit deals into a five-plus-unit portfolio, and Massachusetts has more of that stock than almost anywhere. The clearest opportunity sits in the Gateway Cities, where small multifamily trades at 6 to 8 percent caps.
New construction in Massachusetts
Leverage
Up to 80% LTC
Exit
Sell or refi to DSCR
Massachusetts is short on housing and slow to permit, which is exactly what creates the infill and teardown-rebuild opportunity for builders who can navigate it. Recent state reforms are opening capacity in markets that were closed to new supply for decades.
Multifamily in Massachusetts
Leverage
Up to 80%
Best fit
Gateway City value-add
The triple-decker is the on-ramp from two-to-four-unit deals into a five-plus-unit portfolio, and Massachusetts has more of that stock than almost anywhere. The clearest opportunity sits in the Gateway Cities, where small multifamily trades at 6 to 8 percent caps.
The Massachusetts Market, By the Numbers
A high-basis, supply-constrained, rehab-first market. The entry price is steep, the housing stock is the oldest in the country, and the margins on well-bought deals are among the strongest anywhere.
Median Sale Price
$690K
Statewide. Boston lists near $870K; Worcester near $475K.
Built Before 1940
30.4%
Highest share of any state. Most deals start with a renovation.
Avg. Flip Gross Profit
$160K
Trailing 12 months. Boston-area flips averaged $184K.
Avg. Gross Flip ROI
31.4%
Well above the national average of about 25%.
Speed
5–10 days
Close before other buyers can move.
Leverage
90% / 100%
Purchase and rehab, so more of your capital stays free.
Pricing
From 7.75%
Interest-only options lower your carrying costs.
Service
One POC
Your single contact, from application to payoff.
Massachusetts Hard Money Lending
Investors looking for a hard money lender in Massachusetts usually want one thing: financing that qualifies on the deal, not a W-2, and closes on an investor’s timeline.
Massachusetts is a rehab-and-rental market before it is anything else. It carries some of the oldest housing stock in the country, so most deals here begin with a renovation, and the signature asset is the two-to-four-unit triple-decker that becomes a rental once the work is done.
Funded deals across Massachusetts
Funded Loans in Massachusetts
Location
Property Type
Purpose
Amount
Somerville, MA
Single Family Residential (2-4)
Cash Out Refi
$2,300,000
Newton, MA
Townhome
Cash Out Refi
$2,100,000
Belmont, MA
Single Family Residential (2-4)
Purchase
$1,600,000
Milton, MA
Single Family Residential (2-4)
Rate & Term Refi
$820,000
Cherry Valley, MA
Land
Cash Out Refi
$270,000
Holyoke, MA
Multifamily (5+)
Cash Out Refi
$130,000
A sample of recent Massachusetts closings. Figures shown as funded.
Frequently Asked Questions
Does Conventus lend on triple-deckers and 2-to-4-unit properties in Massachusetts?
Yes. Two-to-four-unit properties, the triple-deckers common across Worcester, Springfield, Boston, and the Gateway Cities, are among the most common assets we finance in Massachusetts, on both fix-and-flip and DSCR terms. The multiple rent streams also make the DSCR ratio easier to clear than a single-family purchase at Massachusetts prices.
What loan products does Conventus offer Massachusetts investors?
We’re flexible based on your deal structure. Our four main categories are fix-and-flip and bridge loans for acquisition and rehab, DSCR loans for the rental hold, and ground-up construction financing. If these don’t fit your deal, reach out and we’ll put something together to get your deal financed.
Do you offer DSCR loans in Massachusetts, and where do they cash-flow best?
Yes. DSCR loans qualify on the property’s rental income, not your tax returns. They pencil most cleanly in the Gateway Cities, Worcester, Springfield, Lowell, and Fall River, where cap rates run roughly 6% to 8%. In Boston, where yields compress to 3.5% to 4.5%, DSCR is usually an appreciation play, and a well-bought two-to-four-unit is what makes the ratio work.
Is Conventus a hard money lender?
Conventus is a private real estate lender. Investors often use “hard money” as shorthand for fast, asset-based financing that qualifies on the deal instead of a W-2, and that is what we provide, with institutional backing, in-house underwriting, and a local Relationship Manager rather than a one-off broker.
Does a fix-and-flip loan cover the renovation budget, or just the purchase?
Both. A Conventus fix-and-flip loan finances the purchase and the rehab in one file, with the construction budget released in draws tied to completed work, so you are not carrying the renovation in cash or stacking a second lender.
Do I need a Massachusetts LLC to borrow?
These are business-purpose loans, so most clients borrow through an LLC, and we can typically close in the entity that holds the deal. We do not lend on owner-occupied primary residences.
Which Massachusetts markets does Conventus lend in?
Statewide. Activity concentrates where investor volume does, Greater Boston and Middlesex County, Worcester, the Springfield and Hampden County corridor, and the Gateway Cities of Lowell, Lawrence, Brockton, and Fall River, but we finance deals across Massachusetts.
How fast can you close in Massachusetts?
On investor timelines, not retail ones. As fast as 7 days on a clean fix-and-flip file. Speed comes from in-house underwriting and a Relationship Manager who works your file directly.
How do I get a quote or get started?
Call your local Massachusetts Relationship Manager at (800) 204-2705, or submit your deal through the lead form and we will follow up. Bring the address, the purchase price, and the rehab scope or the rent, and we can tell you how it structures.