Where we lend · Massachusetts (MA)
Investment property financingin Massachusetts.
Fix & flip, DSCR rental, bridge and construction loans for investors in Boston, Worcester, Springfield and across Massachusetts. Pre-qualify in minutes with no hard credit pull.
The market
Investing in Massachusetts,at a glance.
Massachusetts is one of the highest-value real estate markets in the country, driven by Boston's world-class universities, biotech corridor, and financial services industry. Greater Boston median home prices exceed $650K, with Cambridge and Somerville pushing past $800K. The iconic triple-decker — a three-unit building common throughout Massachusetts — is one of the best investment vehicles in the Northeast, often producing strong cash flow while building equity through appreciation. Worcester has emerged as a value alternative to Boston, attracting investors priced out of the metro with properties at 40-50% of Boston prices. Springfield and New Bedford offer even more affordable entry points. The state's educated workforce and biotech boom ensure sustained housing demand.
Markets we serve
- Boston
- Worcester
- Springfield
- Cambridge
- Lowell
- New Bedford
Why AIRE Lending in Massachusetts
- Programs scaled for Massachusetts's premium property values
- Multi-family expertise including Boston's iconic triple-deckers
- DSCR lending designed for Massachusetts's strong but high-cost rental market
- Fast closings in one of the most competitive markets in the Northeast
- Understanding of Massachusetts's specific title, condo conversion, and closing requirements
Programs available
What we lendin Massachusetts.
Loan programs currently available through AIRE Lending in MA.
Fix & flip
- Rates from
- 9.0%
- Leverage
- Up to 90%
- Term
- 12 months
DSCR rental
- Rates from
- 7.0%
- Leverage
- Up to 80%
- Term
- 30 years
Bridge
- Rates from
- 9.5%
- Leverage
- Up to 80%
- Term
- 12 months
Construction
- Rates from
- 11.0%
- Leverage
- Up to 85%
- Term
- 12 months
Rates shown are based on our current lending programs and are subject to change. Actual rates depend on borrower qualifications, property type, and deal structure. This is not a commitment to lend.
Massachusetts licensing and compliance
Massachusetts does not require a mortgage lender license for business-purpose loans to entities for non-owner-occupied investment properties. AIRE Lending operates in full compliance with Massachusetts lending regulations.
Questions, answered
Lending in Massachusetts,explained.
What makes triple-deckers a good investment in Massachusetts?
Triple-deckers (three-unit buildings) are a Massachusetts specialty. They allow investors to own three rental units in a single building, often producing strong cash flow. In cities like Worcester, Lowell, and New Bedford, triple-deckers can be purchased for $300K-$500K and generate excellent DSCRs.
Is Worcester a good alternative to Boston for investing?
Worcester has become one of the hottest investment markets in New England. Property prices are 40-50% of Boston's, the commuter rail connects to the city, biotech companies are expanding west, and the student population (WPI, Clark, Holy Cross) drives steady rental demand.
What are typical Boston-area investment property prices?
Greater Boston multi-families typically range from $500K to $1.5M+ depending on neighborhood and unit count. Worcester offers multi-families from $250K to $600K. Springfield and New Bedford have properties from $150K to $350K. Our programs accommodate the full range.
How competitive is the Boston investor market?
Greater Boston is extremely competitive. Desirable multi-family properties often receive multiple offers within days of listing. Our ability to close in 10-14 days — faster than conventional financing — gives investors a meaningful competitive advantage.