FIX & FLIP LOANS · Massachusetts (MA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Massachusetts Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) — 2026 Rates, LTV Caps & State Rules

Massachusetts Fix & Flip Loans provide business-purpose real estate investors with Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts from $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 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).

Max Leverage / LTC

Up to 90% Purchase + 100% Rehab (75% ARV Cap)

Min FICO: 620 – 660+ FICO

2026 Rate Band

9.25% – 11.25% Interest-Only

12 – 18 Months Interest-Only (No Prepayment Penalty)

MA Security Instrument

Non-Judicial (Statutory Power of Sale + Land Court)

90–140 days days avg timeline

MA Avg Tax & Ins

1.17% Tax

$540/$100K Hazard Ins