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Hard money loans in Fall River, MA
Investment property loans in Fall River and the South Coast.
Investing in Fall River real estate
Fall River grew up around granite textile mills, and its hillsides are covered with the triple-deckers that housed mill workers. Those buildings, along with two-families and a number of converted mills, make up most of the city’s rental housing.
It is one of the lowest-priced cities in eastern Massachusetts, close to Providence, and since 2025 connected to Boston by South Coast Rail. Investors here mostly buy multi-families to renovate and hold.
Neighborhoods investors ask about
- The Highlands: historic single-family homes on the north side
- The Flint: dense triple-decker streets on the east side
- The South End and Maplewood: multi-families and single-families
- The North End: newer single-family homes
- The waterfront and downtown: mill conversions and mixed-use buildings
What to plan for on a Fall River deal
- Our minimum loan is $75,000. On lower-priced properties, check that your purchase and rehab financing together reach that amount.
- Triple-deckers on steep lots often need porch, stair and foundation work in addition to the interiors.
- Most of the housing predates 1978, so the Massachusetts lead law applies to rentals where young children live.
- If you plan to hold, a DSCR refinance at up to 80% loan-to-value can pay off the fix and flip loan once the units are rented.
Loan programs for Fall River investors
| Program | What it funds | Maximum leverage |
|---|---|---|
| Fix and flip loans | Buying and renovating a property you plan to resell | Up to 90% of purchase and 100% of rehab, capped at 70 to 75% of after-repair value |
| DSCR rental loans | Buying or refinancing long-term and short-term rentals | Up to 85% loan-to-value on a purchase, up to 80% on a cash-out refinance |
| New construction loans | Ground-up builds, including the land | Up to 90% of cost for experienced builders, capped at 70 to 75% of completed value |
| Portfolio and commercial loans | Several rentals under one loan, plus multifamily and commercial property | Up to 80% on a portfolio purchase; commercial quoted deal by deal |
Fall River hard money loan questions
Yes. We lend on investment property in Fall River and across the South Coast, including fix and flip loans, DSCR rental loans and new construction loans.
Yes. A fix and flip loan funds the purchase and renovation. Once the units are rented, a DSCR cash-out refinance at up to 80% loan-to-value replaces it with long-term financing.
The minimum loan is $75,000.
Fix and flip loans average up to 21 days and can close in about 7 days when title and insurance are complete. Rental and DSCR loans take about 30 days, including the appraisal.
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Have a deal in Fall River?
Tell us the address, the purchase price and your plan for the property. We will come back with leverage and pricing for your scenario.