Massachusetts (MA) · Non-Judicial (Statutory Power of Sale + Land Court) Foreclosure · 2026 DSCR Desk

Massachusetts DSCR Loans — 2026 Rates, 80% LTV & Investor Guidelines

Massachusetts DSCR loans allow real estate investors to acquire or cash-out refinance 1–4 unit rentals, short-term rentals (Airbnb/VRBO), and 5–100+ unit multifamily properties in Massachusetts (MA) up to 80% Purchase LTV and 75% Cash-Out LTV at 6.125%–7.875% with zero personal tax returns. At the Massachusetts median 1–4 unit price of $595,000 and Form 1007 rent of $4,150/mo (1.17% property tax, $540/$100K hazard insurance), a 75% LTV loan models at 1.11x DSCR ($3,742/mo total PITIA).

Median 1–4 Unit Price

$595,000

75% LTV: $446,250

Median Form 1007 Rent

$4,150/mo

Modeled DSCR: 1.11x

MA Effective Tax Rate

1.17%

~$580/mo Tax Escrow

Security Instrument

Non-Judicial (Statutory Power of Sale + Land Court)

Avg Timeline: 90–140 days days

All 10 Investor Loan Programs in Massachusetts (MA)

Massachusetts DSCR Loans

Up to 80% LTV Purchase / 75% Cash-Out · 6.375% – 8.25% (Wholesale Tier Dependent)

Min FICO: 620 – 660+ FICO · Close: 14 – 21 Business Days

Massachusetts Hard Money Loans

Up to 85%–90% LTC / 75% ARV · 9.25% – 11.50% Interest-Only

Min FICO: 600 – 640+ FICO (Asset-Backed) · Close: 5 – 10 Business Days

Massachusetts Private Money Loans

Up to 80% LTV / 85% LTC · 8.99% – 11.25% Interest-Only

Min FICO: Flexible Credit / Equity-Driven · Close: 7 – 12 Business Days

Massachusetts Fix & Flip Loans

Up to 90% Purchase + 100% Rehab (75% ARV Cap) · 9.25% – 11.25% Interest-Only

Min FICO: 620 – 660+ FICO · Close: 7 – 10 Business Days

Massachusetts Bridge Loans

Up to 80% LTV Acquisition / 75% Bridge Cash-Out · 8.75% – 10.99% Interest-Only

Min FICO: 640+ FICO · Close: 10 – 15 Business Days

Massachusetts Ground-Up Construction

Up to 85% LTC / 70%–75% Completed ARV · 9.75% – 11.75% Interest-Only on Drawn Funds

Min FICO: 660+ FICO · Close: 14 – 21 Business Days

Massachusetts Multifamily (5+ Units)

Up to 75%–80% LTV Purchase / 70%–75% Cash-Out · 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge)

Min FICO: 660+ FICO · Close: 21 – 30 Business Days

Massachusetts Commercial Property

Up to 75% LTV · 6.875% – 8.99%

Min FICO: 660+ FICO · Close: 21 – 30 Business Days

Massachusetts Rehab & BRRRR Loans

Up to 85%–90% LTC + 100% Rehab Escrowed · 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout)

Min FICO: 620+ FICO · Close: 7 – 12 Business Days

Massachusetts Cash-Out Refinance

Up to 75% LTV Cash-Out (Select 80% LTV Tiers) · 6.625% – 8.375%

Min FICO: 640 – 680+ FICO · Close: 14 – 21 Business Days

Top Massachusetts Investment Cities

Boston, MA Worcester, MA Springfield, MA Lowell, MA Cambridge, MA New Bedford, MA Brockton, MA Quincy, MA Lynn, MA Fall River, MA Newton, MA Somerville, MA

Massachusetts DSCR Loans (2026) — 80% LTV, Rates & MA Underwriting Guide | GoZoom Loans — Fast DSCR, Rental & Multifamily Investor Financing