DSCR Financing in MA
DSCR Loans in Massachusetts
Boston appreciation, Worcester triple-decker cash flow, Cape Cod seasonal STR, Massachusetts covers three strategies in one heavily tenant-protected state.
Local Market Context
Investor Markets in Massachusetts
Boston
High-price appreciation market with student housing and brownstone small multifamily.
Worcester
Affordable triple-deckers and 2-4 unit cash flow at a fraction of Boston prices.
Springfield
Cheap entry and strong rent-to-value in western Massachusetts.
Lowell
Old-mill-city multifamily with BRRRR inventory and steady tenant demand.
Cape Cod
Seasonal STR market with strong summer ADR and shoulder-season occupancy.
Common Properties
What Investors Finance in Massachusetts
- ✓Worcester and Lowell triple-deckers
- ✓Boston brownstone small multifamily
- ✓Cape Cod seasonal STRs
- ✓Springfield cash-flow SFRs and 2-4 units
- ✓Student housing near BU, BC, Northeastern, UMass Amherst
Property Types
DSCR Property Eligibility
Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.
Refinance optionsPurchase optionsProgram Paths
Current DSCR Options in Massachusetts
Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.
Program 3
Completed Rehab
A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.
Program 1
Small Balance
Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.
Program 7
Low / No FICO, No Minimum DSCR
Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.
Program 3 cash-out in Massachusetts is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.
Massachusetts DSCR FAQ
Does Get Brick Capital offer DSCR loans in Massachusetts?
Yes. Massachusetts is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.
Is Program 7 available in Massachusetts?
Yes. Program 7 can be available in Massachusetts for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.
Do I need W-2s or personal tax returns?
DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.
Can I close the loan in an LLC?
Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.
See Your Massachusetts DSCR Options
No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.