The Premier Private Money Lender for Massachusetts (Rental) Real Estate Investors

A DSCR loan is a rental property loan that qualifies borrowers based on a property's ability to generate sufficient cash flow to cover its debt obligations, rather than the borrower's personal income or tax returns. In Massachusetts, where property values and rental income potential are both substantial, DSCR loans give real estate investors a practical path to financing that conventional mortgage products often can't provide. The debt service coverage ratio itself is calculated by comparing a property's gross rental income against its total debt payments, including principal, interest, taxes, and insurance.

Massachusetts has some of the highest property values and rental demand of any state in the country, which means investment property deals here often don't fit neatly into conventional financing boxes. DSCR rental loans in Massachusetts work well for investors because they're structured around the income potential of the asset, not personal income thresholds or tax return documentation. That makes them especially effective for self-employed investors, portfolio builders, and anyone pursuing a long-term rental investment strategy in the state's competitive markets.

Lima One Capital finances single-family rentals, multi-family properties with up to nine units, and short-term rental properties with DSCR loans in Massachusetts. Whether you're targeting a single-family home in a suburban market or a multi-family building near one of Boston's many universities, our loan programs are structured to accommodate a wide range of property types and investment strategies throughout the state.

Interest rates on DSCR rental loans in Massachusetts vary based on several factors, including the property's DSCR ratio, the loan-to-value ratio, and the borrower's credit score. Properties with stronger cash flow — a DSCR of 1.2 or higher — typically qualify for competitive interest rates and maximum leverage. Fixed rate and adjustable-rate mortgage options are both available, giving investors the flexibility to choose a loan structure that aligns with their long-term investment strategy.

Absolutely. DSCR loans in Massachusetts can be used for purchases, rate and term refinances, and cash-out refinances. If you've built equity in a rental property and want to redeploy that capital into your next acquisition, a cash-out refinance with Lima One Capital is a straightforward way to do it. Our loan specialists can help you evaluate the equity in your current portfolio and identify the best path forward for your investment strategy.

A few things stand out. First, Lima One Capital handles everything in-house, from origination through servicing, which means you're never getting passed around between departments or third parties. Second, our underwriting is built for real estate investors, not retail borrowers, so the approval process reflects how investment deals actually work. And third, our capital is backed by MFA Financial, which means the funding is there when you need it. In a market as competitive as Massachusetts, those differences add up fast.