DSCR LOANS · Massachusetts (MA) Underwriting Matrix

Massachusetts DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Massachusetts DSCR Loans provide business-purpose real estate investors with Up to 80% LTV Purchase / 75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.375% – 8.25% (Wholesale Tier Dependent) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO, 620 – 660+ FICO min FICO, 14 – 21 Business Days close). In Massachusetts (MA), lenders underwrite to a Non-Judicial (Statutory Power of Sale + Land Court) statutory framework (90–140 days-day average timeline), a 1.17% average property tax rate (~$580/mo at the $595,000 state median), and $540/$100K hazard insurance (~$268/mo).

Max Leverage / LTC

Up to 80% LTV Purchase / 75% Cash-Out

Min FICO: 620 – 660+ FICO

2026 Rate Band

6.375% – 8.25% (Wholesale Tier Dependent)

30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO

MA Security Instrument

Non-Judicial (Statutory Power of Sale + Land Court)

90–140 days days avg timeline

MA Avg Tax & Ins

1.17% Tax

$540/$100K Hazard Ins

How DSCR Loans Work in Massachusetts (MA)

Debt Service Coverage Ratio (DSCR) loans qualify real estate investors strictly on the subject property’s rental cash flow (DSCR = Monthly Rent ÷ Monthly PITIA for 1–4 units, or Annual NOI ÷ Debt Service for 5+ units) rather than personal W-2s or federal tax returns. Loan Daddy LLC (NMLS #2827624) underwrites 1–4, 5–8, 5–9, 5–10, 5–25, and 5+ unit properties up to 80% LTV nationwide.

1. Massachusetts Median Benchmark

Median 1–4 unit price of $595,000 (75% LTV = $446,250) with Form 1007 rent of $4,150/mo and multifamily rent of $2,380/door.

2. Escrow & Title Underwriting

Massachusetts operates under a Non-Judicial (Statutory Power of Sale + Land Court) regime (90–140 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (14 – 21 Business Days)

Close in your Massachusetts LLC or Delaware LLC registered in MA with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Massachusetts

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