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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Massachusetts DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Massachusetts investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Boston, Worcester, Springfield, Cambridge and the rest of Massachusetts. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best-tier from 5.80%
  • 21–30 day close

Indicative as of August 1, 2026. Not a quote. Lenders set final pricing at underwriting.

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Massachusetts?

Yes. DSCR loans in Massachusetts qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Governed best-tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated August 1, 2026.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Massachusetts Rental Market Snapshot

State-level data DSCR underwriters use to size Massachusetts rental deals.

Median Home Price
$615K
Statewide single-family
Gross Rental Yield
3.5–6.5%
Annual rent / price
Eviction Timeline
75–150 days
tenant-friendly
Rate Adjustment
+0.250%
vs national baseline

Massachusetts is a premium, regulation-heavy DSCR market. Greater Boston jumbo pricing dominates, with gross yields routinely 3–4.5%. Worcester and Springfield offer higher cap rates with deeper triplex/multi-family inventory. Housing Court timelines and tenant-friendly cure provisions make MA defaults expensive, most DSCR investors size reserves for 4–6 months of vacancy.

Major Massachusetts Markets We Serve

Active DSCR deal flow across Massachusetts's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Boston$825K3.0–4.0%Largest MA market, tech/medical/education employment, jumbo LTR pricing
Worcester$395K5.0–6.5%Higher cap rate alternative, deep multifamily/triplex inventory
Springfield$295K6.0–7.5%Western MA, lowest entry price in major metros, MGM casino employment
Cambridge$1145K2.5–3.5%MIT/Harvard demand, lowest yields in MA, pre-1994 rent stabilization on some buildings
Massachusetts investor note:Massachusetts has no statewide rent control (preempted by 1994's ballot question 9). Boston's 2024 rent stabilization proposal failed at the state level. Cambridge and Brookline retain pre-1994 grandfathered tenant protections.

Massachusetts Eviction Timeline & Landlord Posture

How Massachusetts courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
tenant-friendly
Typical Timeline
75–150 days
Rent Control
None / preempted

Massachusetts requires a 14-day notice to quit for non-payment plus a 'cure period' offering tenants a chance to pay before judgment. Housing Court calendars in Boston and Worcester are routinely 60–90 days out.

Massachusetts Rate Adjustment vs National Baseline

+0.250%over national baseline pricing

Slow Housing Court calendar, tenant-friendly cure provisions, and judicial foreclosure all increase lender loss severity assumptions.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best-tier floor 5.80% from rate-floors.json as of August 1, 2026.

DSCR Lenders Active in Massachusetts

The non-bank DSCR programs we see most frequently funding Massachusetts rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • CoreVest
  • LendingOne
  • Visio Lending
  • Park Place Finance

PeerSense is independent, not a lender. Lenders listed are programs we have funded Massachusetts deals through; specific terms vary by file.

Massachusetts DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Get Massachusetts DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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