PRIVATE MONEY LOANS · Massachusetts (MA) Underwriting Matrix · Stephen R. Mannenbach, J.D., MBA

Massachusetts Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — 2026 Rates, LTV Caps & State Rules

Massachusetts Private Money Loans provide business-purpose real estate investors with Up to 80% LTV / 85% LTC across loan amounts from $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 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 80% LTV / 85% LTC

Min FICO: Flexible Credit / Equity-Driven

2026 Rate Band

8.99% – 11.25% Interest-Only

6 to 36 Months Interest-Only

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