Capital Kings LLC · Broker, not a lender

Fix and Flip Loans
in Massachusetts

Purchase plus 100% of the rehab budget for Massachusetts flips, funded through draws, with a term sheet before you commit. First flips welcome from 700 credit, 5% down once you have 3 completed flips. We broker Boston, Worcester, Springfield and every county in between.

By Micah FosterProgram terms verified September 2026

Get a term sheet →Call (281) 636-5682

Fix and Flip Loans in Massachusetts at a glance

Current program terms, not teaser rates. Your exact terms depend on the property, your credit and your experience. The term sheet shows the real numbers before you commit.

8.99%

Rates from

15%

Down on a first flip (5% with experience)

100%

Rehab funded via draws

75% ARV

Max loan

12 mo

Interest-only term

14 days

Typical close

Programs and pricing

Massachusetts fix and flip terms as of September 2026

Same numbers the term sheet prints after you apply. Capital Kings LLC shops your Massachusetts scenario across 400+ lenders and places it with the one that fits. Read the full fix and flip guide for how the program works deal by deal.

Purchase plus 100% of the rehab budget, funded through draws. The program you land on depends on credit and how many flips you have completed.

Program	Down payment	Min credit	Experience	Rate	Origination	Max loan	Term	Close
Best Rate	15%	700+	First flip OK	8.99% to 9.49%	0.5%	75% of ARV	12 months	14 days
5% Down, 3+ Flips¹	5%	600+	3+ completed flips	11.00% to 12.00%	2%	75% of ARV	12 months	7-14 days
5% Down, 5+ Flips²	5%	660+	5+ completed flips	9.99% to 10.99%	2%	75% of ARV	9-24 months	10-14 days

Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.

First flip in Boston, 700 credit

$250,000 purchase · $50,000 rehab · $375,000 ARV · Best Rate program

Loan amount: $262,500
Down payment (15%): $37,500
Rate: 9.49%
Origination: $2,000
Broker fee: $2,625
Estimated cash to close: $49,049
Interest per month while you rehab: $1,681

Estimates on Capital Kings terms as of September 2026. Cash to close includes down payment, origination, broker fee, title, prepaid interest, insurance and appraisal. Rehab is funded 100% through draws on every program.

Who it is for

Massachusetts investors we fund with fix and flip loans

First flips welcome

No completed deals required. Credit and the deal set the program; experience just moves you to a lower rate.

Investors keeping cash for the rehab

100% of the rehab budget is funded on every program, so the money you bring goes to the purchase, not the renovation.

Wholesale and auction contracts

Deals in Massachusetts with a hard closing date. 14 days is standard, and the fastest program on the table above closes in 72 hours.

LLC or personal name

Business-purpose loans, vested in your entity, on single family through small multifamily.

What we need from you

Purchase contract
Rehab budget or scope of work
Two months of bank statements showing the cash to close
Government ID
LLC documents if you are closing in an entity

How it works

From application to funding in Massachusetts

1
Send the deal
Address, purchase price, rehab budget, ARV and your credit range. Three minutes on the application.
2
Get a term sheet
Loan amount, rate, origination, broker fee, every closing cost and your cash to close, before any commitment.
3
We shop it
The scenario goes to the lenders in our network that fund Massachusetts flips at your credit and experience level.
4
Close and draw
Purchase funds at closing. Rehab money is released in draws as work is completed and inspected.

Where we lend

Massachusetts, city by city

The Massachusetts markets we fund most. Not on the map? We broker every county in the state, so send the deal and we place it.

Common Questions

Massachusetts Lending FAQ

How much down payment do I need for a fix and flip loan in Massachusetts?

As of September 2026 in Massachusetts: 15% down from 700 credit at 8.99% to 9.49%. Investors with 3+ completed flips can go to 5% down at 600+ credit, 11.00% to 12.00%. Rehab is 100% funded through draws on every Massachusetts program.

What credit score do I need for a Massachusetts fix and flip loan?

700+ for the 15% down program, and 660+ for a DSCR rental loan. First flips are welcome in Massachusetts; experience moves you to a lower rate, it is not a requirement.

How much cash do I need to close a $250,000 flip in Massachusetts?

On a $250,000 purchase with a $50,000 rehab and a $375,000 ARV, a first flip at 700 credit on the Best Rate program is about $49,049 cash to close ($37,500 down plus origination, broker fee, title, prepaid interest, insurance and appraisal). Figures as of September 2026.

Does the loan cover the rehab budget?

Yes, 100% of the rehab budget on every Massachusetts program. It is held back at closing and released in draws: you complete a stage, an inspector confirms it, the draw is wired. Budget for the first stage out of pocket.

How fast can a Massachusetts fix and flip loan close?

Most Massachusetts flips close in 7 to 14 days. Clean files with title and insurance ready can close in about a week.

Is Capital Kings a direct lender in Massachusetts?

No. Capital Kings LLC is a mortgage broker. We shop your Massachusetts scenario across a network of 400+ lenders and place it with the one that fits, and every fee is itemized on the term sheet before you commit.

Other Massachusetts loan programs

DSCR Loans in Massachusetts →New Construction Loans in Massachusetts →All Massachusetts programs →

Learn More

Massachusetts Investor Resources

How the loans are structured, what lenders check, and how to compare offers on a Massachusetts deal.

Adjacent Markets

Also lending in

New Hampshire →Rhode Island →Connecticut →New York →All 37 states →

Founder & Broker

Micah Foster

Micah specializes in Non-QM and hard money lending for real estate investors across 37 states. Based in Texas, he founded Capital Kings to give investors a true broker who shops the market on their behalf instead of pitching one lender's product.

Connect With Micah →

Ready to fund your Massachusetts deal?

Submit your scenario in under 3 minutes. We shop our 400+ lender network and send back a term sheet on your actual deal.

Start Application →Get a Pre-Approval Letter Calculator

Capital Kings LLC is a non-QM mortgage brokerage. We are not a direct lender. We shop your scenario across a network of state-licensed direct lenders to find the best fit. Loans in Massachusetts are originated by partner lenders licensed to lend in Massachusetts. All loans subject to underwriting approval. Rates, terms, and program availability vary by lender and may change without notice. Hard money and DSCR loans are secured by real estate. Not for primary residences.

Fix and Flip Loansin Massachusetts