Backflip for Massachusetts investors
Backflip combines hard money lending with deal-analysis tools — particularly useful for newer investors wanting integrated underwriting support.
Massachusetts context
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight.
How Backflip positions in Massachusetts
Massachusetts is well covered by national DSCR lenders, with Backflip as one option. Where Backflip differentiates: tech-forward. Where it competes: rates 9.99 to 11.99 percent against peer programs.
City-level coverage in Massachusetts
Backflip provides DSCR coverage across Massachusetts metros including Boston, Worcester, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Backflip program terms apply uniformly across Massachusetts metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | fix-and-flip, BRRRR, bridge |
| Loan size | $50K - $2.5M |
| Rates | 9.99%-11.99% |
| Points | 1 - 3 |
| Max LTV | 85% of ARV |
| Term lengths | 12 months |
| Typical close time | 5-10 days typical |
| Massachusetts property tax | 1.2% |
| Massachusetts state income tax | 9% |
Backflip strengths in Massachusetts
- tech-forward
- deal analysis tools
- newer investor friendly
Ideal borrower: Newer investor needing deal analysis tools alongside financing
FAQ
Yes, operates nationally including Massachusetts. Backflip is based in Denver, CO and operates nationally.
Boston is the top investor market in Massachusetts and falls within Backflip national coverage. Boston property tax follows the Massachusetts state rate of 1.2 percent. Backflip typically underwrites Boston acquisitions at standard rate sheets.
Yes. Worcester ranks among the larger Massachusetts investor metros and sees consistent DSCR loan volume from Backflip. Submarket variation within Worcester matters for property selection.
Backflip applies the same rate sheet across Massachusetts metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Boston, Worcester, and Springfield all qualify for the same Backflip program.
Backflip indicative DSCR rate range is 9.99 to 11.99 percent with 1 to 3 points.
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight. Backflip follows standard business-purpose loan structures.
Backflip funds fix-and-flip, BRRRR, bridge in Massachusetts.
Massachusetts allows standard DSCR prepay structures; Backflip typically uses 3-5 year step down.
Backflip typical close: 5-10 days typical.
Bottom line
Backflip in Massachusetts works for the right borrower-deal combination. Match the lender to your deal characteristics.
Independent directory listing. DSCR Loan Program is not affiliated with Backflip.