Massachusetts Hard Money Loans provide business-purpose real estate investors with Up to 85%–90% LTC / 75% ARV across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 10 Business Days close). In Massachusetts (MA), lenders underwrite to a Non-Judicial (Statutory Power of Sale + Land Court) statutory framework (90–140 days-day average timeline), a 1.17% average property tax rate (~$580/mo at the $595,000 state median), and $540/$100K hazard insurance (~$268/mo).
Hard money loans provide rapid, asset-backed acquisition and renovation capital for real estate investors purchasing distressed, auction, off-market, or value-add properties. Underwritten on After-Repair Value (ARV) and equity rather than bank DTI rules, hard money loans through Loan Daddy LLC close in as little as 5 to 10 business days.
Median 1–4 unit price of $595,000 (75% LTV = $446,250) with Form 1007 rent of $4,150/mo and multifamily rent of $2,380/door.
Massachusetts operates under a Non-Judicial (Statutory Power of Sale + Land Court) regime (90–140 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.
Close in your Massachusetts LLC or Delaware LLC registered in MA with zero personal tax returns, W-2s, or 4506-C transcripts.