Licensed & LendingHard Money & DSCR Loans in Massachusetts
Capital Kings funds Massachusetts investor loans. Hard money, DSCR, and bridge in Boston, Worcester, Springfield, and across the Bay State. MA is high-cost and underwriting-sensitive, and our lender network reflects that.
7-day fix-and-flip close No personal income docs (DSCR) 270+ lender network
Loan Products
Capital That Funds Massachusetts Deals
Boston-area pricing demands lenders with strong appetite for higher-balance loans and the patience to handle MA closing timelines. Worcester and Springfield offer more attainable price points and stronger rental yields, and our DSCR lenders price them confidently.
Fix & Flip
Hard Money for Flips
7-10 day close, 90% LTC, 100% rehab funded through draws. Built for Massachusetts fix-and-flip investors who need to win on speed.
DSCR
Rental Property Loans
Qualify on rental income. No W-2s, no tax returns. 30-year fixed available. Designed for Massachusetts buy-and-hold and BRRRR investors.
Bridge
Bridge & Value-Add
Short-term financing for value-add acquisitions, repositioning, and lease-up. 12-24 month terms, interest-only.
New Construction
Ground-Up Construction
Up to 85-90% LTC for ground-up SFR, townhomes, and small multifamily. Massachusetts growth corridors specifically.
Active Markets
Cities We Fund Across Massachusetts
Active lending across Massachusetts's primary investor markets. Don't see your city? We lend statewide. Submit your deal and we'll match it to the right lender.
Why Capital Kings
Built for Massachusetts Investors
Boston-area fix-and-flip with higher-balance lenders
Available statewide for Massachusetts investors.
Worcester / Springfield DSCR rentals
Available statewide for Massachusetts investors.
Bridge financing for value-add multifamily
Available statewide for Massachusetts investors.
Common Questions
Massachusetts Lending FAQ
Do you lend hard money loans in Massachusetts?
Yes. Capital Kings funds hard money, DSCR, bridge, and fix-and-flip loans across Massachusetts through our 270+ lender network. We close Massachusetts deals in as little as 7 days.
What cities in Massachusetts does Capital Kings lend in?
We fund investor loans statewide in Massachusetts, with active deal flow in Boston, Worcester, Springfield, Cambridge, Lowell and the surrounding metros.
Do you offer DSCR rental loans in Massachusetts?
Yes. DSCR loans qualify the property on rental income (not your personal W-2), and we fund DSCR rentals across Massachusetts on single-family, 2-4 unit, and small multifamily properties. Including short-term rentals where projected Airbnb income is allowed.
How fast can a Massachusetts hard money loan close?
Most Massachusetts fix-and-flip deals close in 7-10 business days. We have lenders in our network who can close in as few as 5 days for clean files with title and appraisal ready.
What's the minimum down payment for a Massachusetts fix-and-flip loan?
As little as 0% down on the right deal. Most Massachusetts hard money lenders ask for 10-15% down on the purchase price, but our network is wider than that. Brand new investors in Massachusetts can get in with as little as 5% down. Even borrowers with rough credit can usually qualify at 10% down. And investors with a few previous deals under their belt can hit 0% down on the right scenario. 100% of rehab is funded through draw schedules in every case. The right structure depends on your experience, the deal, and what you're trying to accomplish, and that's exactly what we sort out when you submit your scenario.
Learn More
Massachusetts Investor Resources
Deeper reading on the loan structures, underwriting logic, and strategy that drive every Massachusetts deal we close.
Adjacent Markets
Also Lending In
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Founder & Broker
Micah Foster
Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.
Connect With Micah →Ready to fund your Massachusetts deal?
Submit your scenario in under 3 minutes. We shop our 270+ lender network and come back with real terms, not a generic rate sheet.
Capital Kings, LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Massachusetts are originated by partner lenders licensed to lend in Massachusetts. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.