DSCR Loans in Massachusetts
Start or scale your real estate investment portfolio in Massachusetts with a DSCR loan. DSCR loans in Massachusetts enable investors to qualify for a mortgage using rental income rather than personal income. No tax returns or employment verification required.
- Obtain financing based on cash flow
- No-income mortgage solution
- Buy or refinance short- and long-term rentals
- Unlimited cash-out
- Competitive DSCR loan rates in Massachusetts
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Real Estate Investment Financing in Massachusetts
Debt service coverage ratio (DSCR) loans allow real estate investors to qualify for a mortgage based on a property’s cash flow rather than personal income. Instead of reviewing tax returns or pay stubs, we prioritize a property’s DSCR — which measures its income versus its debt obligations — to make a lending decision. This offers a flexible mortgage solution for real estate investors looking to build or expand their portfolio.
DSCR loans can be used to purchase or refinance long-term and short-term rental properties, with financing available for many different property types and no limit on the number of properties financed. Access up to $20 million in financing while enjoying a streamlined underwriting process with no income or employment verification.
Visit our DSCR loan page to learn more about this type of financing and see today’s rates. Contact Griffin Funding or get started online to take the first step towards securing a DSCR loan in Massachusetts.
Frequently Asked Questions
DSCR commercial loans in Massachusetts are particularly useful for certain types of borrowers, such as:
- Real estate investors
- Business owners
- Self-employed individuals
- Entrepreneurs
The type of properties you can purchase with a DSCR business loan in Massachusetts vary by lender. At Griffin Funding, you can purchase the following properties:
- Single- and multi-family homes
- 1-4 unit properties
We only offer these commercial loans on 1-4 unit residential investment properties used for business purposes. Therefore, you can’t live on the property. These loans can only be used for business purposes, meaning the purchased property should be dedicated to income-generating activities like renting to tenants or used for business operations.
Griffin Funding aims to make the loan application process as seamless as possible. We start with a discovery call to ensure you understand the requirements of a DSCR loan and to learn more about you and your financial situation. After you’ve found a property, you can complete our online application, or we can walk you through the application over the phone.
Then, the application goes through our underwriting process, in which we verify all the information you’ve shared with us in the application.
Once your application is approved, we’ll notify you and set a date and time for closing on the loan.