Genesis Capital for Massachusetts investors
Genesis Capital (a Goldman Sachs portfolio company) operates on larger-scale residential investor lending with institutional underwriting.
Massachusetts context
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight.
How Genesis Capital positions in Massachusetts
Within Massachusetts, Genesis Capital competes alongside other DSCR lenders. Genesis Capital strengths: large transaction capacity, institutional-quality underwriting. The low aggregate DSCR economics of Massachusetts create demand for Genesis Capital programs in Boston and Worcester particularly.
City-level coverage in Massachusetts
Genesis Capital provides DSCR coverage across Massachusetts metros including Boston, Worcester, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Genesis Capital 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, bridge, rental, new-construction |
| Loan size | $100K - $7.5M |
| Rates | 9.5%-12% |
| Points | 1 - 3 |
| Max LTV | 75% of ARV |
| Term lengths | 12-24 months |
| Typical close time | 10-21 days typical |
| Massachusetts property tax | 1.2% |
| Massachusetts state income tax | 9% |
Genesis Capital strengths in Massachusetts
- large transaction capacity
- institutional-quality underwriting
Ideal borrower: Larger-scale investor with $1M+ deal sizes
FAQ
Yes, operates nationally including Massachusetts. Genesis Capital is based in Sherman Oaks, CA and operates nationally.
Boston is the top investor market in Massachusetts and falls within Genesis Capital national coverage. Boston property tax follows the Massachusetts state rate of 1.2 percent. Genesis Capital typically underwrites Boston acquisitions at standard rate sheets.
Yes. Worcester ranks among the larger Massachusetts investor metros and sees consistent DSCR loan volume from Genesis Capital. Submarket variation within Worcester matters for property selection.
Genesis Capital 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 Genesis Capital program.
Genesis Capital indicative DSCR rate range is 9.5 to 12 percent with 1 to 3 points.
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight. Genesis Capital follows standard business-purpose loan structures.
Genesis Capital funds fix-and-flip, bridge, rental, new-construction in Massachusetts.
Massachusetts allows standard DSCR prepay structures; Genesis Capital typically uses 3-5 year step down.
Genesis Capital typical close: 10-21 days typical.
Bottom line
For Massachusetts DSCR borrowers, Genesis Capital is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with Genesis Capital.