FundLoans for Massachusetts investors
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
Massachusetts context
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight.
How FundLoans positions in Massachusetts
For Massachusetts specifically, FundLoans fits investors who match the hard money approach. The low cash flow profile of Massachusetts aggregate makes it workable for FundLoans.
City-level coverage in Massachusetts
FundLoans provides DSCR coverage across Massachusetts metros including Boston, Worcester, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across Massachusetts metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Massachusetts property tax | 1.2% |
| Massachusetts state income tax | 9% |
FundLoans strengths in Massachusetts
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower: Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
FAQ
Likely; verify direct Massachusetts coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Boston is the top investor market in Massachusetts and is generally within FundLoans states not publicly disclosed footprint. Boston property tax follows the Massachusetts state rate of 1.2 percent. FundLoans typically underwrites Boston acquisitions at standard rate sheets.
Yes. Worcester ranks among the larger Massachusetts investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Worcester matters for property selection.
FundLoans 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 FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in Massachusetts.
Massachusetts allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
For Massachusetts DSCR borrowers, FundLoans is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.