Hard Money Loans in Boston, MA
Boston real estate runs on the triple-decker: renovate it, or convert it to condos, and the numbers work where a slow bank deal never would. Hard money exists for this market: asset-based loans approved on the property and the deal, for fix and flip, condo conversion, multifamily value-add, and bridge situations. Y Millennial Funding offers hard money programs for Boston investors — typically 65-75% of value (measured against ARV on renovation deals), 6-24 month interest-only terms, entity borrowers standard. All loans are business-purpose, secured by non-owner-occupied investment property. Programs, rates, and availability vary by state and lender. Not all applicants qualify.
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Why Boston for Real Estate Investors
Boston's investor market is built on multifamily transformation: the region's iconic triple-deckers and two-to-four-unit stock get renovated or converted into condos for a high-demand, supply-constrained market. Exit liquidity is strong across the city and the near suburbs, while high basis and construction costs reward investors who execute quickly on term-limited financing.
What Investors Do Here
What works here: triple-decker and multifamily renovations across Dorchester, Roxbury, and Mattapan; condo conversions of two-to-four-unit buildings (the defining Boston play) where the numbers and approvals support it; BRRRR value-add that refinances into DSCR loans on strong Boston rents; and bridge financing to close while a prior project sells. Nearby Lynn, Brockton, and Quincy fit the more affordable renovation end.
Neighborhoods & Property Types
Investor activity concentrates in the city's multifamily neighborhoods: Dorchester, Roxbury, Mattapan, Hyde Park, and East Boston, plus gateway cities like Lynn, Brockton, and Quincy. Property types are dominated by triple-deckers and two-to-four-unit multifamily — the core of Boston value-add and condo conversion.
How Investors Use Hard Money in Boston
Close a competitive multifamily acquisition in days, not weeks.
Fund purchase plus renovation or condo conversion of a triple-decker against ARV.
Bridge a Boston acquisition while your last project sells or refinances.
Loan Programs Available
Programs matched to the deal — leverage, property type, and timeline.
Frequently Asked Questions
Common questions about hard money lending in Boston.
Have a Boston Deal Under Contract?
Get a clear term sheet before you commit — leverage, pricing, and timeline matched to your project.
Get a Term SheetHard Money in Other Markets
Related Resources
Loan programs, rates, and availability vary by state, lender, and applicant. Business-purpose loans secured by non-owner-occupied investment property only. Not an offer of financing. Not all applicants qualify.
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