Lawrence, MA's Trusted Hard Money Lender for Real Estate Investors

Lawrence grew up around its textile mills on the Merrimack River, and many of those historic mill buildings are now being turned into apartments and offices. A large stock of two- and three-family homes and prices below the Greater Boston average make it one of the Merrimack Valley's most active investor markets.

Unitas Funding offers Lawrence investors fix-and-flip, new construction, bridge, and DSCR rental loans. Rates start at 8.99%, leverage goes up to 92.5% loan-to-cost, and $4.5 billion funded backs every loan.

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Fast, Reliable Capital for Your Next Lawrence Deal

Strong renter demand and relatively low entry prices give Lawrence investors room to add value. Unitas pre-approves in 24 hours and closes in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Multifamily homes in Prospect Hill, Tower Hill, and Mount Vernon are good candidates for updates and repositioning. Unitas funds purchase and rehab together with 12-, 18-, or 24-month interest-only terms.

 

 

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New Construction Loans

New Construction Loans

Vacant lots and infill sites across Lawrence offer room for new small multifamily housing. Our construction loans fund draws in 24–48 hours to keep work moving.

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Bridge Loans

Bridge Loans

Need to close on a South Lawrence property before your current deal sells? A Unitas bridge loan covers the gap.

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DSCR Loans

DSCR Loans for Rental Properties

Lawrence General Hospital, Northern Essex Community College, and commuter rail access to Boston keep rental demand steady. Our DSCR loans qualify the property on its rental income.

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What Makes Unitas Different in Lawrence

  1. Decisions You Can Count On
    Unitas approves and funds its own loans, giving Lawrence investors fast, dependable answers.

  2. Merrimack Valley Multifamily Experience
    We understand Lawrence's older two- and three-family homes, local rents, and Massachusetts permit timelines.
  3. Fast Draws for Big Renovations
    Draws funded in 24–48 hours help Lawrence projects move quickly from demolition to finish.

  4. Capital to Grow
    With $4.5 billion funded, Unitas can support your Lawrence portfolio as it expands.

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Get Pre-Approved in 24 Hours
Have a Lawrence deal ready? Send us your numbers and get a pre-approval in 24 hours.

Frequently Asked Questions

How quickly can Unitas close a loan in Lawrence, MA?

Most Lawrence loans close within 10 business days of a complete application.

Does Unitas finance two- and three-family homes in Lawrence?

Yes. We finance one- to four-unit homes and small multifamily buildings across Lawrence.

What leverage does Unitas offer for Lawrence renovations?

 Qualified investors can finance up to 92.5% of total project cost. 

Can I use a DSCR loan for a Lawrence rental?

Yes. Our DSCR loans qualify the property based on its rental income, not personal income.

Does Unitas serve other Merrimack Valley communities?

Yes. We fund deals in Methuen, Haverhill, Lowell, Andover, and North Andover.

 

 

 

Ready to Fund Your Next Lawrence Real Estate Investment?

Unitas Funding gives Lawrence investors the fast, flexible capital they need in one of the Merrimack Valley's strongest rental markets. From Prospect Hill multifamily renovations to new infill housing, we fund projects across the city. Contact us today to discuss your next Lawrence investment.


Business-purpose loans for investment properties only. Not a commitment to lend. All loans subject to credit approval and underwriting. Rates, terms, and loan-to-cost vary based on borrower qualifications, property, and market conditions. Loan product availability may be limited in certain states.