Independent brokerage since 20074.5★ on GoogleLicensed in RI, MA, PA, FL & ALA network of specialty lenders, one application
Massachusetts is one of the Northeast's strongest rental markets — from two- and three-family homes around Worcester, Springfield and the Greater Boston suburbs to investment condos closer to the city. A DSCR loan finances them on the rent they produce, not on your tax returns.
From our office just over the line in Wakefield, RI, we're licensed in Massachusetts and work with the investor lenders active in these markets, so your file is matched to the right program rather than forced into a bank's single box.
Who it’s for
Greater Boston multifamily
2–4 family homes qualify on their rents, not your income.
Worcester & Springfield rentals
Cash-flowing markets across central and western Mass.
Investment condos
Qualify warrantable and non-warrantable condos on their rent.
Program at a glance
Best for
Massachusetts rental-property investors
Qualifies on
The property's rent vs. payment — no tax returns
Markets we serve
Greater Boston, Worcester, Springfield and statewide
Vesting
Individual or LLC
Property types
Single-family, 2–4 units and condos
Licensed in
Massachusetts (and RI, PA, FL & AL)
DSCR calculator
Enter a property’s rent and your estimated financing to see its debt-service coverage ratio. Updates as you type — nothing is saved or sent.
Debt-service coverage ratio
Information and interactive calculators are made available as self-help tools for your independent use and are not intended to provide investment advice. Results are hypothetical illustrations based solely on the figures you enter — they are not a quote, rate offer, or commitment to lend, and we cannot guarantee their applicability or accuracy to your situation.
How working with us works
1
Tell us your scenario
A 10-minute call or the contact form: how you're paid, your goals, and the property. No credit pull to start.
2
We shop the right lenders
As a brokerage we match your file to specialty lenders built for it — not one bank's single guideline.
3
Pre-qualify with a plan
You get a clear path: the program, the documents, and the timeline, with a licensed loan officer on your file.
4
Close with confidence
We manage underwriting to the finish line and hand you off to a smooth closing day.
Common questions
Are you licensed to lend in Massachusetts?
Yes — Atlantic is licensed in Massachusetts as well as Rhode Island, Pennsylvania, Florida and Alabama.
Can I finance a Boston-area three-family with a DSCR loan?
Yes. 2–4 unit properties are a core DSCR use-case across the Greater Boston market.
Do you lend in central and western Mass?
Yes — statewide, including Worcester and Springfield.
Can I close in an LLC?
Yes — most DSCR lenders allow entity vesting.
4.5★★★★★ Rated on Google · independent brokerage since 2007
“When I was faced with the most challenging deal of my career, Atlantic Mortgage found a way to make it happen. They went way out of their way to help my buyer… we weren’t just another file.”
— Joe H., real estate agent
★★★★★
“Second time using Mike for our mortgage process — by far the best person to handle it, answer any question, and make the entire experience stress-free!”
— Heather S.
★★★★★
“As our mortgage broker he was exceptional. Every step of the way he explained everything clearly, was very responsive, and patient with us as first-time home buyers.”
