Investment property financing built for Massachusetts
Massachusetts runs one of the most valuable — and most supply-constrained — commercial-property markets in the country, and New City Financial helps investors compete in it. We provide business-purpose financing on Massachusetts rental, multifamily, and commercial real estate, from Boston and Cambridge’s Kendall Square through the Route 128 and I-495 belts to Worcester, Lowell, and the South Coast’s New Bedford and Fall River. We fund deals on the strength of the property, not a stack of personal paperwork.
Because we underwrite the asset’s cash flow rather than your tax returns, our programs fit the realities of a high-barrier market: self-employed and portfolio investors, LLC-titled property, and out-of-state buyers navigating some of the steepest pricing in the nation. Whether you’re acquiring a multifamily rental in a job-rich Middlesex County suburb, refinancing a mixed-use building in Worcester, or pulling cash out of a Greater Boston portfolio, you get one lender, one set of terms, and a straight answer quickly.
Loan programs for Massachusetts investors
Every New City Financial program is available on qualifying Massachusetts investment and commercial property. Not sure which fits your deal? Start the form and we’ll route you to the right one.
Cash-Out Refinance
Tap into your property's equity to access capital for your next investment or business opportunity.
Learn moreDSCR Refinance
Refinance your investment property based on cash flow rather than personal income.
Learn moreMulti-Family & Apartment Loans
Financing solutions for apartment complexes and multifamily residential properties of all sizes.
Learn moreDSCR Loans
Qualify on the property's rental cash flow, not your personal income — purchase investment property with no tax returns.
Learn moreFix and Flip Loans
Fast funding for fix-and-flip projects with competitive rates and flexible terms designed for investors.
Learn moreARV Loans
Loans based on the after-repair value of your property, not just the current value.
Learn moreForeign Investor Loans
Financing solutions for international investors looking to purchase commercial and investment properties.
Learn moreProperty types we finance in Massachusetts
We lend on business-purpose investment and commercial real estate across Massachusetts — from single-family rentals and small multifamily to larger apartment, retail, office, industrial, and mixed-use assets. Owner-occupied commercial space is eligible; primary residences are not.
Why Massachusetts investors choose New City Financial
We finance the property, not your paperwork
Approval is based on the property’s rental income (its DSCR) — no personal tax returns, W-2s, or employment verification. Ideal for investors with strong properties but complex personal finances.
Considered from a 500 FICO
Where most lenders draw the line at a 620–680 score, a cash-flowing, business-purpose property can carry the loan. First-time and portfolio investors are both welcome.
Close in under 3 weeks
Investor-focused underwriting and minimal paperwork mean most files fund fast — the speed that wins competitive deals and lets you scale.
One lender, consistent terms
Up to 75% LTV, loans from $75K to $50MM, on a single set of terms across 40+ states — so you can grow a portfolio without switching lenders deal to deal.
Financing a property in Massachusetts? Get your number in minutes.
Checking your rate is a soft inquiry — it won’t affect your credit score, and there’s no obligation.
Massachusetts commercial loan FAQs
Does New City Financial lend on investment property in Massachusetts?
Yes. We finance business-purpose investment and commercial real estate throughout Massachusetts — from Boston and Cambridge through the Route 128 and I-495 belts to Worcester, Lowell, and the South Coast. Loans run from $75K to $50MM at up to 75% LTV.
Can I get a Massachusetts commercial loan without tax returns?
Yes. Our DSCR programs qualify the loan on the property’s rental cash flow rather than your personal income, so no tax returns, W-2s, or employment verification are required — a strong fit for the state’s self-employed and out-of-state investors.
What credit score do I need for a DSCR loan in Massachusetts?
Credit is considered from a 500 FICO. Because approval leans on the property’s cash flow and a loan-to-value of up to 75%, a strong Massachusetts asset can carry the loan even when personal credit is imperfect.
How fast can you close a commercial loan in Massachusetts?
Most Massachusetts files close in under three weeks. Investor-focused underwriting and minimal documentation keep the process fast — important in Greater Boston, where well-located deals draw competitive offers.
What loan-to-value can I get on Massachusetts investment property?
Up to 75% LTV. You’ll typically bring 25% or more as equity; stronger credit and property cash flow generally earn better pricing. Loans range from $75K to $50MM across all eligible property types.
Can you finance higher-priced Massachusetts deals?
Yes. With loans up to $50MM, we can finance the larger multifamily and commercial assets common in Greater Boston’s high-priced market, as well as smaller deals from $75K in Gateway Cities like Worcester and New Bedford. Owner-occupied commercial space is eligible; primary residences are not.
Financing your Massachusetts deal with New City Financial
New City Financial provides business-purpose financing on Massachusetts investment and commercial property — multifamily, industrial, retail, mixed-use, office, and more. Qualify on the property’s cash flow (DSCR), not your personal tax returns, with up to 75% LTV, loans from $75K to $50MM, a 500 FICO minimum, and closings in under three weeks. Owner-occupied commercial space is eligible; primary residences are not. Get a no-obligation quote in minutes, or call (855) 848-2862 to talk it through with a specialist.