DSCR loans for Massachusetts rental investors
A DSCR loan lets the property carry the qualification. The lender measures whether the rent covers the full monthly payment; if the ratio clears their floor and the rest of the file fits, your personal income documentation never enters the picture. As a broker, we match your deal to the wholesale lender whose program fits it best.
DSCR stands for debt service coverage ratio: monthly rent divided by monthly PITIA (principal, interest, taxes, insurance and association dues). These are business-purpose loans for non-owner-occupied investment property, arranged through a broker who shops wholesale lenders on your behalf.
Qualify on rent, not income
The debt service coverage ratio divides monthly rent by the full payment — principal, interest, taxes, insurance and dues. Your tax returns stay in the drawer.
Entity-friendly
Most wholesale lenders vest in an LLC with personal guarantees, so liability and bookkeeping stay where investors want them.
Built for 1-4 units and beyond
Singles, condos, doubles and triple-deckers are core product. Portfolios and short-term rentals have programs of their own.
Programs
Pick the play
DSCR Purchase Loans for Massachusetts Rentals
Acquire single-family, condo and 2-4 unit rentals across Massachusetts using projected or in-place rent to qualify.
DSCR Cash-Out Refinance for Massachusetts Rentals
Refinance an existing rental and take cash out for the next acquisition, renovation or portfolio reserve.
DSCR Rate-and-Term Refinance for Massachusetts Rentals
Replace an existing rental loan to improve pricing, change the term, move out of short-term debt or vest in an LLC.
Triple-Decker and 2-4 Unit DSCR Loans
Purpose-built financing for the doubles, triple-deckers and fourplexes that anchor Massachusetts rental neighborhoods.
Short-Term Rental DSCR in Massachusetts
Furnished and vacation rentals underwritten on short-stay income, Cape to Berkshires.
Portfolio DSCR in Massachusetts
Multiple rentals under one structure for investors scaling past one-off loans.
What every DSCR file has in common
Whatever the program, the underwriting spine is the same: the property’s rent, the full monthly payment, your credit and reserves, and the building’s condition and marketability. Massachusetts adds its own wrinkles — assessments that lag sale prices, landlord insurance on century-old stock, condo dues inside the payment — and our job is to put real numbers on all of them before you spend money on an appraisal.
Start with the DSCR calculator to see how your rent and payment interact, read the guide to the ratio math, or explore the market pages for local context on where you are buying.
Have a property in mind?
Send the scenario and we will model the ratio and shop it to wholesale lenders.
Start your scenario