Fix and flip loans in Massachusetts are available through Clear Asset Solutions at up to 90% LTV acquisition and 100% renovation financing. Rates run 8–12% depending on experience. We fund deals from $500,000 to $10,000,000+ across Greater Boston, the North and South Shores, MetroWest, and the Gateway Cities.

Why Is Massachusetts a Strong Fix & Flip Market in 2026?

Massachusetts combines the two things that make renovation lending work: an unusually old housing stock and persistent buyer demand against constrained supply. A large share of the state's homes were built before 1940, so the gap between a tired property and a fully renovated one is wide — and that gap is where a flip earns its margin.

Greater Boston commands the highest resale values, while the Gateway Cities — Worcester, Lowell, Lynn, Brockton, New Bedford, and Springfield — offer a materially lower entry basis for investors who want more units per dollar. Two-, three-, and four-family properties, including the classic New England triple-decker, are common across the state and fit our 1–4 unit residential program.

What Loan Terms Are Available for Massachusetts Investors?

• Acquisition LTV: Up to 90% of purchase price
• Renovation Financing: Up to 100% of verified rehabilitation budget
• Loan Amounts: $500,000 to $10,000,000+
• Rates: 8–9% for experienced investors (2+ documented completions); 11–12% for first-time and emerging investors
• FICO: 720+ minimum
• Liquidity: $125,000 minimum liquid reserves post-closing

What Compliance Costs Should You Budget for in Massachusetts?

Massachusetts has older-housing rules that catch out-of-state investors and can quietly consume a rehab budget. Price them in before you write the offer, not after the inspection.

• The Lead Law. Homes built before 1978 may contain lead paint. Sellers must deliver the Property Transfer Lead Paint Notification, and deleading is required where a child under six will occupy the home. On a family-sized flip, assume a buyer will want compliance — budget the deleading rather than discovering it mid-deal.
• Title 5. Properties on septic generally need a passing Title 5 inspection before transfer, valid for a limited window. A failed system is a five-figure line item and adds weeks to the timeline.
• Older-home conditions. Knob-and-tube wiring, asbestos, and buried oil tanks are common in pre-war stock, and each one affects insurability and your buyer's financing.
• Local review. Historic district commissions in Boston, Cambridge, Salem, and Newburyport review exterior work, and permitting speed varies widely by municipality. Confirm the local process before you set your hold period.

Which Massachusetts Markets Generate the Best Fix & Flip Returns?

• Boston neighborhoods: Dorchester, Roslindale, Hyde Park, and East Boston — deep inventory of multi-family stock with strong resale demand
• Inner suburbs: Somerville, Medford, Malden, and Everett — transit access drives the exit
• South Shore: Quincy, Braintree, and Weymouth — single-family renovation with commuter demand
• Gateway Cities: Worcester, Lowell, Lynn, Brockton, New Bedford, and Springfield — lower basis, higher unit counts

How Does the New England Winter Affect Your Hold Time?

This is the constraint out-of-state investors miss most often. Roofing, siding, paving, exterior painting, and foundation work all get difficult or impossible between roughly November and March, and municipal frost regulations can restrict excavation outright. A project that spans a New England winter realistically needs 30–60 days of additional hold time. Build that into your interest carry and your exit assumptions before you close, and sequence exterior work into the shoulder seasons wherever the schedule allows.