Lowell Hard Money · Fix & Flip · BRRRR · Rental & Bridge Loans
Fund your next Lowell flip, multi-family reposition or BRRRR with up to 95% LTC plus 100% of rehab — a historic mill city home to UMass Lowell, with strong cash flow. Rates from 8.90%, FICO from 620.
Direct lender since 1998 · NMLS #1826020 · LLC & foreign nationals OK · Lowell-area investment-property specialists
| Purchase leverage | Up to 95% LTC |
| Rehab funding | 100% of rehab costs, reimbursed by draw as work is completed |
| Max ARV | Up to ~70-75% of after-repair value (ARV) |
| Credit | FICO from 620 |
| Property types | 1-4 family, 5+ multifamily, mixed-use, vacation / short-term rentals, and commercial |
| Term | 6-24 months interest-only · extension options |
| Rate & points | Interest-only, starting interest from 8.90% (subject to change) · 1-3 points |
| Income docs | None — asset-based; business-purpose only |
| Borrower | No maximum number of properties · first-time investors, foreign nationals & LLCs welcome |
| Exit | Sale, or easy refinance into a 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s required |
| Area | Lowell and the surrounding Merrimack Valley / Lowell |
A Lowell fix and flip loan funds purchase and 100% of rehab on the deal. Lowell, a historic Merrimack-Valley mill city anchored by UMass Lowell and a revitalized downtown, blends student-and-professional demand with more-accessible bases than inner Boston. Renovate multi-family and central homes, then flip to owner-occupants or refinance into a DSCR loan.
Our Lowell fix and flip program funds the full spectrum of business-purpose real estate — not just single-family:
Single-family, townhomes, condos, and 2-4 unit — the core of most Lowell flips.
Value-add apartment buildings repositioned for sale or a DSCR refinance.
Retail or office over residential and live-work buildings.
Renovate-to-STR where Lowell zoning allows, then keep or sell.
Select commercial and small mixed-asset deals, case-by-case.
Warrantable and many non-warrantable attached product.
Run the numbers on a Lowell flip. We fund up to 95% of purchase and 100% of rehab, capped near 70-75% of ARV. Illustrative only — final terms use an appraisal and underwriting.
Illustrative only; not a commitment to lend. Rates, points and leverage are deal-dependent and subject to change. ARV confirmed by appraisal.
Planning to Buy, Rehab, Rent, Refinance, Repeat in Lowell? When the rehab is done and the property is rented, refinance with an easy 30- or 40-year amortized DSCR loan — no additional income docs, tax returns, or W2s (we qualify the property’s rent, not you). A 40-year amortization lowers the payment and boosts cash flow and DSCR.
Illustrative only. DSCR = net operating income ÷ annual debt service. Final terms use an appraisal and underwriting.
These are the Lowell corridors investors target most for value-add and reposition-to-rent (always confirm current comps):
Accessible near-downtown multi-family value-add for BRRRR.
Deep triple-decker district for reposition-to-rent.
Value-add corridors with appreciation runway.
Student-rental demand near the university.
Established higher-end neighborhoods with owner demand.
Value-add pockets near campus.
Lowell BRRRR blends UML student demand with Merrimack-Valley rents at accessible bases. Buy a multi-family in Centralville or the Acre, fund 100% of rehab, place tenants, then refinance into an easy 30- or 40-year DSCR loan — no income docs — and repeat. Comply with MA lead-paint law.
Up-and-coming Lowell areas drawing investor attention for affordability and room to force value:
Triple-decker value-add frontier.
Near-downtown reposition.
Near-campus value-add.
Value-add corridor.
Student-rent demand.
Owner-occupant demand.
Representative 2026 indicators for underwriting context — confirm current figures per deal:
Up to 95% LTC + 100% of rehab, rates from 8.90%, 6-24 month terms, and an easy 30/40-year DSCR exit with no income docs, tax returns, or W2s. First-time investors and foreign nationals welcome — no maximum number of properties.
Apply Now — Get Your Term Sheet → Call (800) 826-5077| Down / equity | As little as 5% of purchase at up to 95% LTC |
| Rehab | 100% financed, reimbursed by inspected draws |
| Credit | FICO from 620 |
| Experience | First-time and experienced investors welcome |
| Borrower | No maximum number of properties · LLC & foreign nationals OK |
| Exit | Sale, or easy 30- or 40-year DSCR refinance — no income docs, tax returns, or W2s |
See the statewide Massachusetts program and every city we lend in.
Fast asset-based capital for any Lowell investment purchase.
30- or 40-year rental refinance to complete your BRRRR.
Bridge the gap between buying and your sale or refinance.
5+ unit value-add and reposition financing.
Ground-up investor construction.
As little as 5% of the purchase price. We fund up to 95% of purchase and 100% of rehab, capped near 70-75% of the after-repair value (ARV).
Yes — rehab is funded in full and reimbursed through inspected draws as work is completed.
Yes — triple-deckers and 2-4 unit multifamily are core to our Lowell program.
Yes — UMass Lowell drives steady near-campus demand; we fund purchase plus 100% of rehab.
Yes — when it’s renovated and rented, refinance into an easy 30- or 40-year amortized DSCR loan with no income docs, tax returns, or W2s, then repeat.
With a clean title and appraisal ordered, many Lowell fix and flip loans close in as few as 5-10 days.
Whether it’s your first Lowell flip or your fiftieth, get a fast, no-obligation quote — a same-day term sheet with up to 95% LTC plus 100% of rehab, rates from 8.90%, and an easy 30/40-year DSCR exit. No credit pull required to start, and no maximum number of properties.
CambridgeHomeLoan.com — direct lender since 1998, NMLS #1826020. LLC & foreign nationals OK. Business-purpose investment loans only. Rates, points, leverage, and terms are deal-dependent and subject to change.
Fix and flip loans are business-purpose, asset-based loans for real estate investment and are not offered for owner-occupied residences. Leverage (up to 95% of purchase and 100% of rehab) is subject to a maximum loan-to-ARV, appraisal, credit (FICO from 620), and underwriting. Calculators are illustrative only and not a commitment to lend.
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