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Cracking the Code: Securing a Loan to Become a Landlord in Boston

Become a landlord in Boston. The name itself conjures images of revolutionary history, world-class universities, cutting-edge industries, and passionate sports fans. It’s a city brimming with energy, opportunity, and, yes, a notoriously competitive and expensive real estate market. Yet, despite the high barrier to entry, the dream of owning investment property and becoming a landlord in this vibrant hub remains a powerful draw for many.

Perhaps you’re drawn to the potential for long-term appreciation in a historically strong market. Maybe you see the constant influx of students and professionals as a reliable stream of potential tenants. Or perhaps you envision building generational wealth through tangible assets. Whatever your motivation, the path often starts with a crucial step: securing a loan to become landlord in Boston.

Navigating the financing landscape for investment properties, especially in a high-cost area like Boston, can feel daunting. It’s different from getting a mortgage for your primary residence. Lenders view investment properties as inherently riskier, and their requirements reflect that. But don’t let that discourage you! With the right knowledge, preparation, and strategy, obtaining the necessary financing is achievable.

This comprehensive guide will walk you through the essential steps, considerations, and loan options available when you’re looking to finance your journey into Boston landlordship. We’ll cover everything from understanding the unique Boston market to preparing your finances and exploring different loan types.

Become a landlord in Boston

Why Invest in Boston Real Estate? The Allure and the Reality

Before diving into the specifics of loans, let’s understand why becoming a landlord in Boston is attractive, despite the challenges.

1. Strong, Diverse Economy: Boston boasts a resilient economy fueled by education, healthcare, technology, finance, and biotechnology. This economic strength translates into a consistent demand for housing from professionals and families.
2. World-Renowned Universities: With dozens of colleges and universities in the Greater Boston area (Harvard, MIT, Boston University, Northeastern, Tufts, Boston College, etc.), there’s a massive, ever-renewing pool of students seeking off-campus housing. This creates high demand, particularly in neighborhoods near campuses.
3. Historical Appreciation: While past performance isn’t a guarantee of future results, Boston real estate has historically shown strong long-term appreciation, making it an attractive prospect for wealth building.
4. High Rental Demand: Low vacancy rates and high rents are characteristic of the Boston market. While challenging for renters, this can mean potentially strong cash flow and returns for landlords who manage their properties effectively.
5. Cultural Hub: Boston’s rich history, cultural attractions, and quality of life continually draw people to the city, further bolstering housing demand.

However, it’s crucial to be realistic:

• High Property Costs: Boston is consistently ranked among the most expensive cities in the US. This means significant upfront capital (down payment, closing costs) is required.
• Strict Regulations: Massachusetts and the City of Boston have robust tenant protection laws. Landlords need to be diligent about understanding and complying with regulations regarding leases, security deposits, evictions, property conditions, and fair housing.
• Competition: You’re not the only one seeing the potential. Expect competition when bidding on desirable investment properties.
• Maintenance Costs: Older housing stock, common in many Boston neighborhoods, can sometimes mean higher maintenance and repair costs.

Understanding both the pros and the cons is vital before you even start searching for a loan to become landlord in Boston.

Become a landlord in Boston: More Than Just Collecting Rent

Becoming a landlord is essentially starting a business. It requires time, effort, financial resources, and a thorough understanding of your legal obligations. In Boston, these responsibilities are significant:

• Legal Compliance: You must adhere to Massachusetts state laws and specific Boston ordinances covering landlord-tenant relationships. This includes proper lease agreements, handling security deposits (which have strict rules in MA), providing habitable living conditions (meeting sanitary and building codes), and following legal procedures for eviction, if necessary. Familiarize yourself with the Massachusetts Attorney General’s Guide to Landlord and Tenant Rights.
• Tenant Screening: Implementing a fair and thorough screening process is crucial to finding reliable tenants who will pay rent on time and respect the property. This involves credit checks, background checks, income verification, and checking references, all while complying with fair housing laws.
• Property Maintenance: You are responsible for maintaining the property in a safe and livable condition. This includes routine upkeep, addressing repair requests promptly (plumbing, electrical, heating, appliances), and managing seasonal tasks like snow removal (which can be a major factor in Boston!).
• Financial Management: Tracking income and expenses, setting aside funds for vacancies and repairs, paying property taxes and insurance, and managing mortgage payments are all part of the job.

Many new landlords underestimate the time commitment involved. Consider whether you will manage the property yourself or hire a property management company, which will add to your expenses but save you significant time and hassle.

• Helpful External Resource: For detailed information on local regulations, visit the City of Boston’s Housing page: https://www.boston.gov/departments/housing

Become a landlord in Boston: Types of Investment Properties in Boston

Boston offers various property types suitable for investment:

1. Multi-Family Homes (Two-Family, Triple-Deckers): These are classic Boston investment properties. Often, new investors buy a multi-family, live in one unit (owner-occupant), and rent out the others. This can help qualify for more favorable financing (like FHA loans) and offset the mortgage payment. Triple-deckers are particularly iconic in neighborhoods like Dorchester, South Boston, Somerville, and Cambridge. Become a landlord in Boston.
2. Condominiums: Investing in a condo can mean lower exterior maintenance responsibilities (handled by the HOA), but it also comes with monthly HOA fees that must be factored into your cash flow calculations. Condo investments are common in areas like Back Bay, South End, Seaport, and Brookline.
3. Single-Family Homes: While less common for pure rental income generation due to the higher purchase price relative to potential rent in many areas, renting out single-family homes can be viable in certain suburbs or neighborhoods catering to families.

The type of property you choose will influence the financing you seek and your potential tenant pool.

Become a landlord in Boston: Securing Your Loan to Become Landlord in Boston

Okay, let’s get to the heart of the matter: financing. Getting a mortgage for an investment property is different and generally harder than for a primary residence. Lenders perceive more risk because, if financial hardship strikes, borrowers are more likely to prioritize payments on their own home over an investment property.

Here’s what lenders will scrutinize and the types of loans available:

What Lenders Look For:

1. Excellent Credit Score: For investment properties, lenders typically want to see higher credit scores than for primary homes. Aim for a score well above 700, ideally 740 or higher, to qualify for the best rates and terms. Become a landlord in Boston
2. Larger Down Payment: This is one of the biggest hurdles. While primary residences can sometimes be bought with low down payments (3-5%), investment properties usually require significantly more. Expect to need at least 20-25% down, and sometimes more, depending on the lender and loan type. This demonstrates your financial commitment and reduces the lender’s risk.
3. Lower Debt-to-Income Ratio (DTI): Your DTI compares your gross monthly income to your monthly debt obligations (including the potential mortgage payment on the new property). Lenders want to see a healthy DTI, often below 43%, to ensure you can comfortably handle all your debts. They will be conservative when estimating potential rental income to offset the new mortgage payment.
4. Cash Reserves: Lenders want proof that you have sufficient cash reserves (savings) after covering the down payment and closing costs. This buffer shows you can handle unexpected vacancies, repairs, or periods without rental income. Often, they require 6-12 months of principal, interest, taxes, and insurance (PITI) payments in reserve.
5. Real Estate Experience (Sometimes): While not always mandatory, some lenders, especially for larger or commercial loans, may prefer borrowers with previous landlord or real estate investment experience.
6. Property Appraisal: The property itself must appraise for a value that supports the loan amount. The appraisal will also assess the property’s condition and potential rental income (often using a Comparable Rent Schedule).

Types of Loans for Boston Landlords:

1. Conventional Investment Property Loans: These are mortgages obtained through private lenders (banks, credit unions, mortgage companies) and are not backed by the government. They typically adhere to guidelines set by Fannie Mae or Freddie Mac for investment properties, which usually means higher down payments (20-25%+) and credit score requirements compared to primary home loans. These are the most common type of loan to become landlord in Boston for non-owner-occupied properties. Become a landlord in Boston
2. FHA Loans (for Owner-Occupants): If you plan to buy a multi-family property (2-4 units) and live in one of the units, you might qualify for an FHA loan. These government-backed loans offer lower down payments (as low as 3.5%) and more flexible credit requirements. The key is the owner-occupancy requirement for at least one year. This is a popular strategy for first-time Boston investors buying a duplex or triple-decker.
3. VA Loans (for Owner-Occupants): Eligible veterans, active-duty service members, and surviving spouses may use a VA loan to purchase a multi-family property (up to 4 units) with potentially zero down payment, provided they live in one unit. Like FHA, this is an excellent option for owner-occupant investors in Boston.
4. Portfolio Loans: These loans are kept on the lender’s books (portfolio) rather than being sold on the secondary market. This gives the lender more flexibility in setting qualification criteria. They might be an option if you don’t quite meet conventional guidelines, perhaps due to multiple existing mortgages or unique income situations. However, interest rates might be slightly higher.
5. Hard Money Loans: These are short-term loans (typically 6-18 months) provided by private investors or companies. They focus primarily on the property’s value (Loan-to-Value ratio) rather than the borrower’s detailed financials. They offer fast funding but come with much higher interest rates and fees. Hard money is often used by investors planning to quickly renovate and refinance (BRRRR method) or flip a property, rather than for long-term buy-and-hold.
6. Commercial Real Estate (CRE) Loans: If you’re looking at properties with 5 or more units, or mixed-use properties (commercial space plus residential units), you’ll likely need a commercial loan. These differ significantly from residential mortgages. Terms are often shorter (5-10 year balloons are common), rates can be variable, and underwriting focuses heavily on the property’s income-generating potential (Net Operating Income, Debt Service Coverage Ratio).
   • Need Financing for Commercial Properties? Lenders specializing in commercial real estate and business loans can be invaluable partners. For instance, GHC Funding provides various financing solutions, including Commercial Real Estate (CRE) loans and business loans, which could be essential when scaling your Boston landlord business or purchasing larger multi-unit properties. You can explore their offerings at www.ghcfunding.com.

The Loan Application Process:

1. Get Pre-Approved: Before you seriously start looking at properties, get pre-approved for a loan. This involves submitting financial documentation (pay stubs, tax returns, bank statements) to a lender who will assess your borrowing power. Pre-approval strengthens your offer when you find a property.
2. Gather Documentation: Be prepared to provide extensive documentation. This includes proof of income, assets, debts, and potentially information about your landlord experience.
3. Property Details & Appraisal: Once you have a property under contract, the lender will order an appraisal to confirm its value and condition. For investment properties, they’ll also likely require a rent schedule analysis.
4. Underwriting: The lender’s underwriter thoroughly reviews your financial profile and the property details to make a final loan decision. Be prepared for questions and requests for additional information.
5. Closing: If approved, you’ll proceed to closing, where you sign the final loan documents, pay your down payment and closing costs, and officially take ownership of the property.

Financial Planning: Crunching the Numbers for Boston

Getting the loan to become landlord in Boston is just one piece of the puzzle. Sound financial analysis is critical for success.

• Calculate Potential ROI: Don’t just assume appreciation. Analyze the potential cash flow (rental income minus all expenses). Key metrics include:
  • Capitalization Rate (Cap Rate): Net Operating Income (NOI) / Property Purchase Price. NOI is gross rental income minus operating expenses (excluding mortgage payments). A higher cap rate generally indicates better potential return, but context matters (neighborhood quality, property condition). Boston cap rates are notoriously low due to high property values.
  • Cash Flow: Monthly Rental Income – (Mortgage Payment + Property Taxes + Insurance + HOA Fees + Vacancy Savings + Repair Savings + Property Management Fees). Positive cash flow is ideal, but some investors in high-appreciation markets like Boston may accept break-even or slightly negative cash flow initially, banking on appreciation and future rent increases.
• Budget for All Expenses:
  • Mortgage Principal & Interest
  • Property Taxes (Boston property taxes are significant)
  • Homeowners Insurance (Landlord Policy)
  • Potential HOA Fees (for condos)
  • Vacancy Fund (Set aside 5-10% of rent, even in a tight market)
  • Repair & Maintenance Fund (Budget 1-2% of property value annually, or more for older properties)
  • Capital Expenditures (Larger items like roof replacement, HVAC, etc. – save over time)
  • Property Management Fees (Typically 8-12% of monthly rent if you hire a manager)
  • Snow Removal, Landscaping
  • Water/Sewer (Depending on lease terms)
  • Legal Fees, Licenses, etc.

Failing to accurately budget for these expenses is a common pitfall for new landlords.

• Helpful External Resource: Search online for “Rental Property Calculator” – many free tools can help you estimate potential returns and expenses.

Finding the Right Property and Building Your Team

• Work with an Investment-Savvy Agent: Find a local Boston real estate agent who specializes in investment properties and understands the nuances of different neighborhoods (e.g., student density in Allston/Brighton vs. young professionals in South Boston vs. families in West Roxbury).
• Neighborhood Analysis: Research specific neighborhoods for vacancy rates, average rents, tenant demographics, proximity to amenities (T-stops, universities, job centers), and safety.
• Property Inspection: Always get a thorough home inspection by a qualified professional to uncover potential costly issues before you buy.

Becoming a successful landlord, especially when leveraging a significant loan to become landlord in Boston, is rarely a solo endeavor. Build a strong team:

1. Mortgage Broker/Lender: Shop around for the best loan terms. Consider banks, credit unions, online lenders, and specialized firms like GHC Funding (www.ghcfunding.com) for specific needs like commercial loans.
2. Real Estate Agent: Your eyes and ears on the ground in the competitive Boston market.
3. Real Estate Attorney: Essential in Massachusetts for closing transactions and invaluable for understanding leases and landlord-tenant law.
4. Accountant: To help with tax implications, deductions, and financial strategy.
5. Insurance Agent: To ensure you have adequate landlord insurance coverage.
6. Contractors/Handyman: Build relationships with reliable professionals for repairs and maintenance.
7. Property Manager (Optional): If you prefer a hands-off approach or live far from the property.

• Helpful External Resource: The Greater Boston Real Estate Board (GBREB) is a major industry association and can be a source of market information and professional connections: https://gbreb.com/

Navigating Boston-Specific Hurdles

Remember those challenges we mentioned?

• High Costs: Requires meticulous financial planning and securing the largest feasible down payment to make the numbers work.
• Regulations: Proactive education on landlord-tenant law is non-negotiable. Mistakes can be costly. Consider joining a local landlord association for resources and support.
• Competition: Be prepared to act quickly and make strong offers. Having your financing (pre-approval for your loan to become landlord in Boston) solidly in place is crucial.
• Seasonality: The student rental market often revolves around a September 1st lease cycle, creating intense turnover periods. Plan accordingly.

Your Path to Becoming a Boston Landlord

Securing a loan to become landlord in Boston is a significant undertaking, demanding thorough preparation, financial discipline, and a clear understanding of both the opportunities and the challenges of this unique market.

It starts with strengthening your financial profile – boosting your credit score, saving diligently for a substantial down payment and reserves, and managing your existing debt. Explore all relevant loan options, from conventional mortgages to FHA/VA loans (if owner-occupying) or potentially commercial financing through specialists like GHC Funding (www.ghcfunding.com) for larger ventures.

Beyond the financing, immerse yourself in the responsibilities of landlordship, particularly the stringent regulations in Boston and Massachusetts. Analyze potential properties meticulously, accounting for all expenses, not just the mortgage payment. Build a reliable team of professionals to guide you through the purchase process and ongoing management.

While the barriers to entry are high, the rewards of successful real estate investing in a world-class city like Boston can be substantial – generating passive income, building equity, and achieving long-term financial goals. By approaching the process strategically and securing the right financing, your dream of becoming a Boston landlord can become a reality. Start your research, get your finances in order, and take the first step towards acquiring your investment property in the Hub of the Universe.

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Disclaimer: This blog post is intended for informational purposes only and does not constitute financial or legal advice.¹ Always consult with qualified financial advisors, mortgage professionals, real estate agents, and legal counsel before making any investment decisions, particularly regarding securing a loan or purchasing property in Boston.

Loan to Become Landlord in Boston: How a DSCR Loan Can Turn High Rents into Scalable Wealth

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1 | Why Boston Still Works for Buy-and-Hold Investors

Greater Boston rents remain among the highest in the United States. In April 2025 the median asking rent across all unit sizes is $3,258 (Average Rent in Boston, MA and Rent Price Trends – Zumper), while RentCafe reports an average of $3,707 for conventional apartments (Average Rent in Boston & Rent Prices by Neighborhood – RentCafe). At the same time, available inventory is low—just 1,245 homes for sale city-wide in March 2025—so landlords face limited supply-side competition. Zillow pegs Boston’s median sale price at $778,667 and Redfin shows a slightly higher $858 k figure for February 2025 (Boston, MA Housing Market: 2025 Home Prices & Trends | Zillow, Boston Housing Market: House Prices & Trends – Redfin).

Those numbers look steep until you compare rent-to-price ratios with coastal peers like New York or San Francisco. Cap rates on Boston three-family “triple-deckers” can still exceed 5 %—rare for gateway cities. The key is using a financing tool that underwrites the property’s cash flow rather than your personal W-2 income.

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2 | DSCR Loans Explained in Plain English

A Debt Service Coverage Ratio (DSCR) loan is a business-purpose mortgage designed for rental property. Instead of calculating your debt-to-income ratio, the lender asks one question: Does the property earn enough to pay its own mortgage?

[
\text{DSCR}=\frac{\text{Net Operating Income (NOI)}}{\text{Annual Debt Service}}
]

• NOI = Gross rent + fees − fixed operating expenses (taxes, insurance, repairs, management).
• Pass line: Most programs approve at DSCR ≥ 1.20. Ratios ≥ 1.30 unlock better rates or higher leverage.
• Paperwork: Leases, rent roll, proof of reserves, LLC docs, and a soft credit pull—no tax returns and no personal DTI.

Because Boston’s rents are high, many multifamily properties can clear the 1.20 hurdle—even with today’s 7 %–8 % rates—if you bring 20 %–25 % down.

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3 | Boston 2025 Housing Numbers That Matter to Lenders

Metric (April 2025)	Data	Relevance
Median asking rent	$3,258 (Zumper) (Average Rent in Boston, MA and Rent Price Trends – Zumper)	Sets gross-income baseline
Average rent	$3,707 (RentCafe) (Average Rent in Boston & Rent Prices by Neighborhood – RentCafe)	Confirms upward pressure
Median sale price	$778,667–$858 k (Zillow/Redfin) ([Boston, MA Housing Market: 2025 Home Prices & Trends	Zillow](https://www.zillow.com/home-values/44269/boston-ma/?utm_source=chatgpt.com), Boston Housing Market: House Prices & Trends – Redfin)
Vacancy (apt. list)	~7 % city-wide	Lenders assume 5 %–8 %
Rent control	None statewide at present; proposals stalled in 2024 session	Allows market resets
Rental registration	Mandatory annual filing with Boston ISD (Rental Registration Portal – Boston.gov)	Compliance cost ≈ $55/unit

Boston’s no-rent-control environment (for now) means you can raise to market at turnover—critical for keeping DSCR ratios healthy as expenses rise. Still, every non-owner-occupied unit must be registered each year with Inspectional Services, a line item you’ll include in NOI.

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4 | Loan Options to Become a Landlord in Boston

Loan Type	Max LTV	Best For	Notes
DSCR (GHC Funding)	80 % purchase 75 % cash-out	Investors with LLCs or >10 rentals	No tax returns; close in 21-28 days
Conventional Investor Mortgage	75 %–80 %	First 1–10 rentals	Full doc; personal DTI ≤ 45 %
FHA 3-Unit/4-Unit	96.5 % (owner-occ.)	House-hackers	Must live in one unit 12 mos.
MassHousing “3Over3”	95 % (owner-occ.)	Low-down multifamily	Income caps; reserve rules
Portfolio / Bridge Loan	70 %–75 %	Value-add rehab & condo-conversions	Interest-only, 12–24 mos.
SBA 504 / 7(a)	90 % (mixed-use 51 % owner-occ.)	Retail + apartments	Long terms, low rates

GHC Funding offers DSCR, bridge, SBA, and conventional options on a single platform—handy if you plan to renovate, condo-convert, or scale.

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5 | Deep Dive: DSCR Loan Terms from GHC Funding

Feature	2025 Boston Range
Loan size	\$200 k – \$5 M+
Purchase LTV	Up to 80 % (DSCR ≥ 1.30)
Cash-out LTV	Up to 75 %
Amortization	30-year fixed or 40-year w/ 10-yr IO
Rate band (May 2025)	7.00 %–8.25 % fixed
Minimum credit score	660 (700 + for best rate)
Prepay penalty	3-year 3-2-1 (waived on $2 M+ portfolios)
Closing timeline	21–28 days after complete file

You can start a 60-second pre-qual right now on the GHC Funding DSCR page.

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6 | Does a Dorchester Triple-Decker Pass the DSCR Test?

Property: Classic 3-family on Geneva Ave.
Price: \$1,050,000 Down (25 %): \$262,500
Loan: \$787,500 @ 7.25 % (40-yr IO, 10 yrs) → \$4,760/mo

Item	Monthly
Rent (3 × \$3,200)	\$9,600
Vacancy (6 %)	–\$576
Taxes + insurance	–\$1,150
Repairs/CapEx (8 %)	–\$768
Mgmt (7 %)	–\$672
Boston rental reg.	–\$14
NOI	\$6,420

Annual NOI: \$77,040 Annual debt: \$57,120
DSCR: 77,040 ÷ 57,120 = 1.35 ✔️—Qualifies for 80 % LTV if you want to lever harder.

What if rates hit 8 %? IO payment rises to \$5,250; DSCR slips to 1.22—still passable.

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7 | Local Rules Every New Boston Landlord Must Know

1. Rental Registration: All non-owner-occupied units must be registered with Boston ISD annually—\$55 per unit; renew by September 1. (Rental Registration Portal – Boston.gov)
2. State Sanitary Code: Sets habitability standards; violations can stop rent payments until repairs are made. (Massachusetts law about landlord and tenant | Mass.gov)
3. Eviction Law: Only by court order; new 2025 law lets tenants seal certain eviction records. (Massachusetts law about eviction | Mass.gov)
4. No Rent Control (for now): Multiple bills have failed; track future proposals but today you can raise to market after lease ends.
5. Broker-Fee Reform (proposed): Governor Healey wants landlords—not tenants—to pay broker fees starting FY 2026. (Governor Healey Announces Proposal to Eliminate Renter-Paid …)

Budget compliance costs in your NOI and maintain 3–6 months’ reserves; lenders discount rates up to 50 bps for strong liquidity.

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8 | Where the Numbers Work Best

Neighborhood	Typical 3-BR Rent	Median Condo Price	DSCR Outlook
Roxbury	\$2,285 (Average Rent in Boston & Rent Prices by Neighborhood – RentCafe)	\$580 k (02119)	Lowest buy-in; DSCR passes at 25 % down
Dorchester	\$3,083	\$656 k (02124) (02134, MA Housing Market: 2025 Home Prices & Trends – Zillow)	Triples often hit DSCR 1.30+
East Boston	\$3,390	\$828 k (02128) ([02130, MA Housing Market: 2025 Home Prices & Trends	Zillow](https://www.zillow.com/home-values/58644/boston-ma-02130/?utm_source=chatgpt.com))
South End	\$3,750 (Average Rent in South End, Boston, MA and Rent Price Trends)	\$1.47 M  (South End Boston, MA Housing Market: 2025 Home Prices & Trends)	Cap rates thin; use DSCR IO + 35 % down
Brighton/Allston	\$3,201	\$656 k (02134) (02134, MA Housing Market: 2025 Home Prices & Trends – Zillow)	Student cycle; lenders cut vacancy to 4 %

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9 | Step-by-Step: Funding Your First Boston Rental with GHC Funding

1. 60-Second Pre-Qual – Enter address, unit count, projected rent.
2. Soft Credit & Term Sheet (24 hrs) – Get an indicative rate, LTV, and DSCR requirement.
3. Upload Docs – Leases, rent roll, entity papers, bank statements for reserves.
4. Appraisal & Rent Schedule – MAI appraiser + Fannie 1007 confirm value & market rent (5-7 days).
5. Underwriting & Clear Stips – Title search, insurance binder, rental-reg certificate.
6. Closing (21-28 days total) – Sign at a Boston law office or mobile notary; funds wire to your LLC.

Start your file today on the GHC Funding website or call 833-572-4327.

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10 | Seven Tricks to Push DSCR Above 1.30

1. Create Bedroom Premiums – Rent per room to grad students in Mission Hill.
2. Add Coin-Op Laundry – $150 – $200/mo easily lifts NOI 3 %.
3. Charge for Storage/ Parking – Back-alley spaces fetch \$200+ in South Boston.
4. Temporary Furnishings – 90-day corporate leases to hospital fellows at 15 % premiums.
5. Install Heat-Pump Water Heaters – Cut utility line 8 % and snag MassSave rebates.
6. Fight Assessments – Appeal taxed value each January; a 5 % reduction bumps DSCR by ~0.02.
7. Refi at DSCR ≥ 1.40 – Pull 75 % LTV cash-out for your next triple-decker.

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11 | Final Thoughts

Securing the right loan to become landlord in Boston is the difference between scraping by and scaling up. High rents, no local rent control, and diverse job demand mean Boston still prints cash for savvy owners—but only if you finance intelligently. A DSCR loan through GHC Funding weighs the numbers that really matter: the property’s own income, your reserves, and a realistic vacancy factor.

Ready to turn Boston’s premium rents into long-term wealth? Complete a 60-second pre-qual at GHC Funding or dial 833-572-4327. Close in a month, register your units, and start collecting checks—no W-2s required.