Hard Money Lenders Quincy, MA

Rates Starting at 10%

West Forest Capital delivers reliable, fast hard money loans throughout Massachusetts, funding real estate investments up to $3 million. Because timing is everything in this market, our rapid process has earned us a reputation as one of Massachusetts’ fastest direct lenders.

No brokers—just direct lending
Pre-approval the same day you apply
We fund in as little as 3–5 days, with 1-day options available
Maximum loan size is $5 million

Property Types

Lending Parameters

Loan Size	$100,000 to $5,000,000
LTC	Up to 80% of purchase price
Rehab Funding	100%
LTV	Up to 70% of the ARV
Term	Standard is 12 months. 24-36 months is available
Lien	First lien; second lien as additional collateral only
Interest Rate	10%–12.5%
Points	1.5–2% of the loan amount

Counties Covered

West Forest Capital lends in the following counties in Massachusetts:

Recently Funded Hard Money Loans in Massachusetts

Medway, MA

This Massachusetts hard money loan was a cash-out refi, the proceeds of which were used by our client to build-out ancillary commercial space that is owned by our client in the same building. The subject property, a residential condo, was purchased for $225,000 and appreciated to $290,000. Utilizing a hard money loan in Medway, MA we were able to provide a cash-out $200,000 loan at 78% LTV by including the commercial space as additional collateral. The borrower was able to pull the vast majority of his investment out of the property, leaving only $25,000 in the deal, and generating a 160% return. Our loan was later refinanced by a traditional bank.

Dedham, MA

This Boston area hard money loan was used to fix and flip a single-family house. The home was purchased after several rounds of negotiations and needed a new kitchen, bathrooms, and various cosmetic touch-ups. We provided 70% of the purchase price and 100% of the rehab costs. Our client, who had completed two other flips in the previous three years, was able to move through the project quickly. Within 4 months the entire rehab had been completed and the property was listed for sale. Demand was strong, and the property went into contact within three weeks of the listing date. Two months later, the property was sold and our loan repaid.

Boston, MA

This hard money loan was made to a foreign national purchasing a two-bedroom condo in the Back Bay neighborhood. With a light credit history and no US income, our client was not eligible for a traditional bank loan for this investment property. However, the client was able to put down a 35% down payment, and we utilized a Boston hard money loan to fund the remaining 65%. This loan also included a 6-month interest reserve. The property needed no rehab and was quickly rented out. After demonstrating 9 months of rental history, our client was able to refinance our loan into a long-term fixed DSCR loan.

Why Use a Hard Money Loan

If you need funding fast. Waiting for a traditional bank to approve a loan can hold up your entire investment timeline. West Forest Capital accelerates the process with same-day approval and funding typically delivered in 3 to 5 days. In time-sensitive situations, we can complete funding in just one business day.
If the property isn’t stabilized. Banks tend to shy away from properties that fall outside of standard criteria. That includes real estate needing renovations, lacking a Certificate of Occupancy, or missing a track record of reliable tenants. West Forest Capital provides funding even when the property doesn’t meet these conventional lending benchmarks.
If you have poor credit. Credit scores aren’t always a true reflection of your current ability to manage a property investment. West Forest Capital takes a different approach by prioritizing the real estate’s worth rather than focusing on traditional credit metrics like FICO scores or income ratios.
If you don’t want to take a loan in your personal name. Most banks prefer lending directly to individuals. If you intend to hold a property through an LLC or already own multiple properties that complicate personal financing, a hard money loan from West Forest Capital offers a flexible, business-friendly alternative.

Why Choose A Quincy Hard Money Lender

We love Quincy and are proud to provide hard money lending solutions right here on the South Shore! Whether you’re investing in the historic streets of Quincy Center, eyeing opportunities near Wollaston Beach, or flipping homes in North Quincy and West Quincy, we know this city well. You won’t have to explain the rise in property values along the Red Line corridor or the investor activity in areas like Adams Shore and Merrymount. If you’re expanding into surrounding towns like Milton, Braintree, Weymouth, or Hull, rest assured—we’re local and ready to fund your next deal.

And we don’t stop at just the South Shore. If your investment reaches further toward Plymouth County or the coastal towns, we’re still the lender for you. Whether it’s a flip in Scituate, a duplex in Hingham, or a rental in Cohasset, our team is prepared to support your project with fast, reliable hard money financing.

Financing your Massachusetts Investment Property

While many regions across the country are experiencing outbound migration, Quincy continues to thrive with a growing population and booming local economy. This South Shore city is a hub for finance, technology, and maritime industries, and benefits from its close connection to Boston via the Red Line. Educational access and a highly skilled workforce make Quincy a desirable location for both companies and residents.

Real estate in Quincy holds its value well and presents opportunities for appreciation, especially as nearby areas like Braintree, Milton, and Weymouth also see increased demand. The city’s blend of coastal charm and urban convenience positions it as a prime market for investment.

Asset-backed Lender Focused on Customized Solutions

Understanding the dynamics of Quincy’s real estate market allows West Forest Capital to craft custom-tailored hard money loan packages that meet the needs of local investors. We evaluate properties based on their value—not credit scores—so in certain scenarios, we’ve been able to finance more than 100% of both purchase and renovation costs.

And if you’re thinking long-term, we’ve got you covered there too. Our 3-year hard money loan—the longest term available—offers excellent options for those holding rental assets in and around Quincy.

Give us a call today or fill out our quick online application to get started.

Borrower interview

Interview with our client, Mike, in Massachusetts

Listen as Mike, a software engineer hailing from Massachusetts, shares how he got started in real estate to earn passive income alongside his full-time career.

Hard Money Lender Quincy: Frequently Asked Questions

What are Hard Money Lenders?

For real estate investors in Quincy, hard money lenders provide a faster, more flexible path to funding than traditional banks. These non-bank lenders are asset-based, which means they assess the deal based on the property’s value rather than your credit score or income. That translates to a much quicker process—often with funding in under a week, compared to the multi-month timeline of bank loans.

If you’re buying a foreclosure or auction property in Quincy that requires an accelerated closing, hard money loans are often your best option. They also fund properties that banks reject, such as those without a Certificate of Occupancy (CO). And if your credit is less than ideal, hard money lenders are still willing to work with you. Many local investors use these loans to refinance or access the equity tied up in their Quincy real estate holdings.

How Do Hard Money Loans Work?

Hard money lending, particularly in high-demand regions such as Massachusetts, is known for its speed and ease of access, but this convenience comes with higher borrowing costs than traditional financing. Interest rates typically range from 10% to 12%, with borrowers also paying two points at closing. These loans are short-term by design, generally lasting 1 to 2 years, and are split into two primary sections:

A portion allocated for the purchase of the property, usually between 70% and 85% of the total cost.
Another portion for renovations, if applicable, that may cover the full cost of necessary repairs—up to 100%.

Rehab funding is not given upfront but is disbursed after work is completed and verified. For instance, if a loan includes $50,000 for rehab, the borrower will need to complete $15,000 of the work before drawing that amount from the lender, repeating the process until the entire sum is disbursed.

These loans are popular for short-term investing strategies and can be used as bridge loans, house-flipping capital, or temporary funding for commercial projects. Hard money lenders protect their position by ensuring the total loan—including rehab and acquisition—stays below 65% of the property’s projected ARV. They are especially useful in fast-moving real estate environments where access to quick capital is essential.

What do hard money lenders look for?

Hard money lending in Quincy is structured as commercial lending, which means these loans are not made to individuals, but rather to LLCs. If you’re new to real estate and haven’t created an LLC yet, don’t worry—it’s easy to set up and can have only one member: you.

Private lenders in Quincy base their funding decisions on the property itself. They assess both the purchase price and ARV (After Repair Value) to ensure the deal is sound. Buying at a discount—or at market value—is usually essential for loan approval. If your funding includes renovation costs, the lender will expect a defined repair schedule and on-time execution. It’s also critical that the property and the LLC have clean titles, free from judgments or liens, before any loan can be disbursed.

Hard money lenders want to fund successful deals. A Quincy lender will only move forward if the numbers make sense, ensuring that the ARV covers every cost—acquisition, rehab, interest, and closing fees—with profit left over. The more profitable the deal is for you, the more secure it is for the lender.

What is hard money used for?

Hard money loans are tailored for real estate scenarios where bank financing is too slow or restrictive. Common use cases include:

Acquiring and fixing up residential properties that don’t qualify for bank loans due to their condition or the borrower’s credit. These projects are usually intended for resale to a retail buyer, known as a “fix and flip.”
Purchasing and renovating a property with plans to hold it as a rental. Once leased and generating consistent income, the property is stabilized and can often be refinanced into a traditional mortgage at a lower rate.
Meeting strict deadlines for real estate transactions that banks cannot accommodate. Hard money is especially useful for time-sensitive deals like foreclosure auctions, where funding must occur quickly—often within a week.
Conducting a fast cash-out refinance using a property the borrower already owns, allowing access to equity without long wait times.
Addressing a loan that’s approaching its due date by quickly refinancing into a new hard money loan, ensuring no disruption in financing.
Buying out a co-owner or relative to take full ownership of a shared property. Hard money loans are ideal for buyouts, and the borrower can refinance into longer-term debt after completing the transaction.