Fix-and-flip loans in Boston, MA

Financing Boston-area flips

Fast Flip Capital lends nationwide from our headquarters in East Longmeadow, and Massachusetts is our home state. We finance renovation projects across Boston's neighborhoods and the surrounding cities, from a cosmetic condo refresh to a full gut of a two-family.

What investors buy in Boston

• Triple-deckers and two-families. These are common in Dorchester, Roxbury, Mattapan, Hyde Park, Roslindale and East Boston, and they fit our 2–4 unit program.
• Condominiums in older converted buildings throughout the city. Condos are eligible; co-ops are not.
• Single-family colonials and capes in West Roxbury, Hyde Park and nearby suburbs.

Massachusetts and Boston rules to budget for

• Permits. Renovation permits in Boston go through the city's Inspectional Services Department. Zoning relief, if your plan needs it, can add months, so plan your scope around what's allowed as of right.
• Historic and architectural districts. Parts of the city, including Back Bay, Beacon Hill and the South End, have commissions that review exterior changes. Check before you finalize windows, doors, roofing or facade work.
• Lead paint. Most Boston housing predates 1978. The Massachusetts Lead Law requires deleading when a child under six lives in the home, and buyers must receive lead disclosures.
• Smoke and CO certificate. Massachusetts generally requires a smoke and carbon monoxide compliance certificate from the local fire department before a sale.
• Energy code. Massachusetts energy code requirements, including stretch-code provisions adopted in many communities, can affect insulation, windows and mechanical work on major renovations.
• Condo conversions. Boston has condominium conversion rules with tenant protections. Converting a multi-family also requires a verified track record under our program.

How our loans fit Boston deals

Boston purchase prices and renovation budgets tend to run higher than many markets. Our loans range from $75,000 to $2,000,000, with the total loan capped at up to 75% of after-repair value, so strong comps matter.

• Single-family, 2–4 unit, condo and townhome flips
• Up to 90% of purchase and up to 100% of rehab (standard program)
• Up to 100% financing for top-tier investors with 10+ completed flips (rehab financed up to $200K)
• Draws released after third-party inspection
• No prepayment penalty

Greater Boston communities we serve

• Cambridge
• Somerville
• Quincy
• Medford
• Malden
• Everett
• Chelsea
• Revere
• Lynn
• Brockton
• Newton
• Waltham
• Milton
• Dedham

Fast Flip Capital is a national lender. We finance fix-and-flip projects in most U.S. states. See where we lend.