Straight answers on investor financing.

What loans cost, what lenders require, how the numbers are sized and how fast it closes. Written by the 316 Capital desk from the files we place every week. Updated for 2026.

How do lenders calculate ARV, LTC and LTV on an investor loan?Understand ARV, LTC, LTARV and LTV for Massachusetts and New England investor financing, with a worked loan-sizing example, holdbacks and cash planning. What is a bridge loan for real estate investors and when should you use one?Bridge loans for Massachusetts and New England investors: compare funding, monthly carry, minimum interest and refinance exits before committing to short-term financing. How do you finance a condo conversion or small condo development in Massachusetts?Plan Massachusetts condo-conversion or small-development financing: project budget, unit releases, sales cash flow, local conversion review and buyer-financing risks. What are DSCR loan requirements in 2026?Prepare a Massachusetts or New England DSCR rental-loan inquiry: rent, PITIA, credit, leverage, reserves and documents, with a worked coverage example. Can a first time investor get a hard money loan?Prepare your first Massachusetts or New England investment-property loan: project scope, contractor, cash planning, experience, partners and financing questions. What do you need to qualify for a fix and flip loan?Prepare a Massachusetts or New England fix-and-flip loan inquiry: credit, experience, cash, rehab scope, valuation, draws and exit planning. How do ground up construction loans for real estate investors work?Plan ground-up construction financing in Massachusetts and New England: land basis, loan sizing, draw cash, interest, permits, cost overruns and the repayment exit. How much does a hard money loan cost in Massachusetts in 2026?Compare Massachusetts bridge and fix-and-flip financing costs: interest, points, fees, cash at closing and draw timing, with a fully reconciled example. Hard money vs bank loan vs private money: which should an investor use?Compare bank, bridge and private-money financing for Massachusetts and New England investment property: total cost, cash at closing, renovation draws, repayment and offer terms. How do construction draws work on a fix and flip or construction loan?Prepare for construction draws: renovation holdbacks, reimbursement, inspections, request documents and cash timing, with Massachusetts financing examples. How fast can a hard money loan close in Massachusetts?Plan a Massachusetts bridge or investor-loan closing: readiness checklist, title, valuation, insurance, funding milestones and a budget for delays. How do you choose a hard money lender in Massachusetts?Choose Massachusetts investor financing with a written-offer checklist: verify the provider, compare usable proceeds and total cash, and review draws, fees, closing conditions and repayment. How do you finance a BRRRR deal in 2026?Plan a Massachusetts or New England BRRRR: purchase and rehab funding, refinance requirements, PITIA, cash returned and a lower-appraisal stress test. What documents do you need for a real estate investor loan?A practical document checklist for Massachusetts and New England investor financing: borrower, entity, property, rental and construction records, plus secure uploads.

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