Falmouth’s Trusted Hard Money Lender for Real Estate Investors

Ready to close faster and scale with confidence? We provide real estate investors reliable capital backed by institutional strength and decades of construction lending expertise. Expect quick approvals, clear draw schedules, and flexible terms on our Falmouth hard money loans so your real estate investments stay on track and momentum never stalls.

Whether the plan calls for fix and flip financing, bridge loans, or new construction funding, our private money lenders deliver speed, flexibility, and follow-through. We listen, underwrite pragmatically, and fund decisively, helping you seize opportunities, control timelines, and grow with a lender committed to your outcome.

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Fast, Reliable Capital for Your Next Real Estate Deal

Count on us as a private money lender in Falmouth and a responsive hard money lender that blends institutional reliability with direct lending speed. Our tailored loan programs move quickly for fix and flip strategies, ground-up new construction, and long-term rental property loans, plus short-term bridge financing when timing matters. We streamline approvals and communication so real estate investors in Falmouth can seize opportunities, scale portfolios confidently, and grow wealth with flexible terms and fast funding.

Fix & Flip Loans

Fix & Flip Loans

Invest with confidence using our fix & flip loans in Falmouth, built for speed and results. We deliver short term financing and a hard money rehab loan structure that covers purchase plus rehab, ideal for the BRRRR method and rapid resales. With fix and flip funding tied to the After Repair Value (ARV), you get strong leverage, quick approvals, and smooth draws—so you acquire, renovate, and exit faster while maximizing ROI on every value-add property.

 

 

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New Construction Loans

New Construction Loans

Secure flexible private construction loans for ground up construction with a team that funds momentum, not delays. We finance single family spec homes, multi unit residential, and mixed use developments with clear terms and responsive underwriting. As Falmouth’s private construction lender, we coordinate a staged draw process tied to verified milestones, so capital lands exactly when needed for lot acquisition, horizontal improvements, and vertical build—helping you control timelines, manage risk, and convert entitled plans into profitable projects.

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Bridge Loans

Bridge Loans

Act quickly with our hard money bridge loans: use interim financing to secure a time-sensitive investment property, or stabilize a purchase before it qualifies for permanent financing. When conventional lenders move too slowly, rely on our gap financing and local expertise. Our real estate bridge loans in Falmouth deliver streamlined underwriting, clear terms, and fast closings, helping you negotiate with confidence and avoid missed opportunities while we guide you from short-term capital to long-term solutions.

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DSCR Loans

DSCR Loans for Rental Properties

Explore DSCR loans in Falmouth built around the property’s performance and the core metric, Debt Service Coverage Ratio, with streamlined, no income verification underwriting. These rental loans prioritize cash flow, making them ideal for portfolio growth across long-term, STR, and MTR strategies. As flexible asset based loans, they deliver practical landlord financing without relying on personal wages. Use investment property mortgages to acquire, refinance, or scale holdings confidently while aligning terms to market rents, reserves, and timeline.

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What makes Unitas different?

  1. The Power of a Bank, The Speed of a Partner.
    Unitas blends institutional reliability with agile, entrepreneurial thinking to finance complex opportunities. As Falmouth’s leading hard money lender, we structure tailored loans for real estate deals, delivering fast funding so projects move quickly and investors trust our consistent execution.

  2. More Ways to Say ‘Yes’ to Your Deal.
    With an expanded credit box and creative underwriting, we move quickly to finance projects other lenders sideline. As Falmouth’s trusted hard money lending partner, our team finds smart ways to say yes to unique investments and time-sensitive opportunities.

  3. Certainty from a Direct Lender.
    Unlike brokers, we deploy our own capital; as a direct hard money lender in Falmouth, we move quickly, offering fair terms. Once you receive loan approval, expect secure funding and a smooth close, thanks to our direct lending process.

  4. Faster Funding, Faster Draws.
    Timing drives returns, so our Falmouth loan process streamlines approvals, enabling closings in as little as 10 days, reliable construction draw releases, and fast funding. We communicate quickly, align underwriting to your deal, and keep projects moving with confidence.

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Get Pre-Approved in 24 Hours
Apply today and secure funding for your next investment property in Falmouth.

FAQ

Who qualifies for a hard money loan from Unitas Funding?

Serious investors choose our hard money investor loans when they want a long-term private money lending partner, not the cheapest rate. We prioritize reliable capital and fast funding at the offer stage, after the term sheet, and through each milestone in the draw process. Operate via an LLC or corporation, value speed and certainty, and you’ll fit our program. With hard money lending in Falmouth tailored to active real estate investments, we align construction know-how with capital. We deliver construction loans that keep projects moving and protect timelines, supporting scalable acquisitions and smooth exits.

What is required to apply for a Unitas real estate investment loan?

We make getting started simple: submit your loan application for a real estate investment loan through an LLC or corporation—not as an individual—and use funds solely for business purposes. For investment property financing in Falmouth, we typically request formation documents, operating agreement, EIN, business bank statements, purchase contract, rent roll or leases, rehab budget, and valid identification.

- Background Check
- Bank Statements
- Certificate of Good Standing
- Credit Report
- EIN Letter
- Government-issued ID
- Purchase and Sale Agreement

What credit score do I need for a hard money loan from Unitas?

We finance qualified investors through business purpose loans built for speed and certainty. For any hard money loan, we assess the credit score using the median FICO score from a tri-merge report, or the lower of two when only two appear. Representative scores under 600 are not eligible for our investment property loans. This keeps capital reliable and delivers competitive terms on private loans in Falmouth and nearby markets, aligned to each borrower’s goals.

Do you lend to first-time real estate investors in Falmouth?

As a lender focused on real results, we back new and experienced investors with first time real estate investor loans and flexible rental property loans. Whether your first fix and flip in Falmouth needs speed or you’re scaling a portfolio, our loan programs deliver accessible capital, clear terms, and responsive guidance. We underwrite fast, fund reliably, and stay engaged through closing, so you get the fix and flip funding and confidence to complete projects on time and on budget.

Is income verification required for investment property loans from Unitas?

Skip paystubs—no personal income verification is required for our investment property loans. We offer private real estate loans in Falmouth through asset based lending that qualifies you by down payment strength and verified liquidity. Using DSCR-based underwriting that prioritizes property cash flow, we deliver true DSCR loans that move at the speed of opportunity. This performance-first approach helps real estate investors qualify faster, lock better leverage, and confidently scale portfolios while keeping risk in check.

 

 

 

How long does the approval process take?

We help investors move quickly with fast loan approval, often issuing same-day pre-approvals and term sheets for our hard money loans in Falmouth and beyond. Final decisions hinge on clear title and property valuation, with our hybrid approach typically wrapping in 3–5 business days. When everything aligns, we can close in as little as 10 days, giving you reliable, secure financing for competitive deals and the confidence to act decisively while we handle the details.

 

 

 

Why choose Unitas over other hard money lenders in Falmouth?

With deep construction and lending experience, we anticipate investor needs better than most hard money lenders and move fast from term sheet to close. We fund private money loans in Falmouth within 10 days, tailor structures to your project, and build lasting partnerships. Rates start at 9.25%, and real estate loans reach 92.5% LTC, so our high leverage loans combine speed and certainty with institutional capital and the attentive service of a dedicated private money lender.

 

 

 

How is a hard money lender different from a bank?

Compared with a bank, a hard money lender moves faster and adapts, and that’s where we focus. At Unitas, we specialize in investment real estate loans with fast closing loans in days, not weeks, and we tailor structures to creative strategies. Our transparent, streamlined process keeps investors confident from first call to funding. As a result, we efficiently finance fix and flip projects, bridge loans, DSCR loans, and new construction lending in Falmouth, empowering you to seize opportunities.

 

 

 

Do you provide funding in my state or city?

We move fast as a nationwide direct lender, funding fix and flip loans, DSCR loans, new construction, and bridge loans in Falmouth and across Massachusetts. We lend nationwide with a few exceptions: we do not lend in Alaska, Arizona, Minnesota, South Dakota, or North Dakota, and we avoid direct lending in Baltimore, Chicago, and Detroit. In Nevada, Washington, Oregon, and Utah, we partner exclusively with licensed brokers. Everywhere else, we deliver business purpose loans backed by dependable private capital solutions to help investors execute.

 

 

 

How do I apply for a real estate investment loan from Unitas?

We make applying for a real estate investment loan straightforward by pairing personal guidance with digital speed. Start with our online loan calculator, then an Account Executive will review your project, qualifications, and next steps for real estate investor financing. From pre approval through valuation, title, and draws, we streamline each milestone so real estate investors in Falmouth move from offer to closing with confidence. Count on us to provide responsive updates and lending options tailored to your strategy.

 

 

 

Fast, Reliable Capital – No Red Tape

Get the certainty of a direct lender and close in as little as 10 days.