MoFin Lending for Massachusetts investors
MoFin Lending is a direct DSCR lender licensed in 34 states with a 700 minimum credit score — the highest credit floor among the lenders added to this directory in September 2026. Minimum loan size is $150,000. The company does not publish minimum DSCR, maximum loan size, LTV, or rate figures in the sources reviewed.
Massachusetts context
Massachusetts triple-decker market produces multi-unit DSCR economics. Boston DSCR tight.
How MoFin Lending positions in Massachusetts
Within Massachusetts, MoFin Lending competes alongside other DSCR lenders. MoFin Lending strengths: Licensed in 34 states, Direct lender. The low aggregate DSCR economics of Massachusetts create demand for MoFin Lending programs in Boston and Worcester particularly.
City-level coverage in Massachusetts
MoFin Lending provides DSCR coverage across Massachusetts metros including Boston, Worcester, and Springfield. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. MoFin Lending 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 | $150K - — |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | Not publicly published |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Massachusetts property tax | 1.2% |
| Massachusetts state income tax | 9% |
MoFin Lending strengths in Massachusetts
- Licensed in 34 states
- Direct lender
- $150,000 minimum loan size
- Highest minimum credit score (700) among the lenders added to this directory in September 2026
Ideal borrower: Investor with a 700+ credit score and a $150,000+ loan size seeking a direct DSCR lender.
FAQ
Yes, operates nationally including Massachusetts. MoFin Lending is based in an undisclosed location and operates nationally.
Boston is the top investor market in Massachusetts and falls within MoFin Lending national coverage. Boston property tax follows the Massachusetts state rate of 1.2 percent. MoFin Lending typically underwrites Boston acquisitions at standard rate sheets.
Yes. Worcester ranks among the larger Massachusetts investor metros and sees consistent DSCR loan volume from MoFin Lending. Submarket variation within Worcester matters for property selection.
MoFin Lending 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 MoFin Lending program.
MoFin Lending 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. MoFin Lending follows standard business-purpose loan structures.
MoFin Lending funds rental DSCR in Massachusetts.
Massachusetts allows standard DSCR prepay structures; MoFin Lending typically uses 3-5 year step down.
MoFin Lending typical close: Not publicly published.
Bottom line
MoFin Lending 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 MoFin Lending.