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

Salem is one of America's oldest cities, known worldwide for its 1692 history, its maritime past, and some of the finest early American architecture in New England. Large crowds of visitors each fall and a growing number of Boston commuters make Salem a strong market for investors.

Unitas Funding provides Salem investors with 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 supports every loan.

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Fast, Reliable Capital for Your Next Salem Deal

Salem's historic homes and limited inventory mean buyers pay a premium for well-renovated properties. Unitas pre-approves in 24 hours and closes in about 10 business days.

Fix & Flip Loans

Fix & Flip Loans

Federal-style and Victorian homes near the McIntire Historic District and Salem Common reward investors who restore original details with care. 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

Redevelopment near downtown and along the waterfront continues to create room for new housing. Our construction loans fund draws in 24–48 hours to keep projects on track.

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Bridge Loans

Bridge Loans

Need to close on a Salem two-family before your current property sells? A Unitas bridge loan gives you the short-term capital to act.

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DSCR Loans

DSCR Loans for Rental Properties

Salem State University, Salem Hospital, and commuter rail service to Boston keep rental demand strong. Our DSCR loans qualify the property on its rental income.

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What Makes Unitas Different in Salem

  1. A Direct Lender for Historic Properties
    Unitas decides in-house, so Salem investors get fast answers even on older, complex properties.

  2. North Shore Market Knowledge
    We understand historic district rules, older construction, and Salem rents, and we build them into our underwriting.
  3. Fast Draws for Careful Work
    Draws funded in 24–48 hours help Salem projects keep moving, even when restoration work takes extra time.

  4. Strong Capital Base
    $4.5 billion funded means Unitas is ready to support your Salem projects over the long term.

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Get Pre-Approved in 24 Hours
Have a Salem property under contract? Send us the details and get a pre-approval within 24 hours.

Frequently Asked Questions

How quickly can Unitas close a loan in Salem, Massachusetts?

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

Does Unitas finance homes in Salem's historic districts?

Yes. We fund renovations of historic homes and factor any local historic commission review into the project timeline.

What leverage does Unitas offer for Salem renovations?

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

Can I use a DSCR loan for a Salem rental?

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

Does Unitas lend in towns near Salem?

Yes. We fund deals across the North Shore, including Beverly, Peabody, Marblehead, Lynn, and Danvers.

Ready to Fund Your Next Salem Real Estate Investment?

Unitas Funding gives Salem investors fast, dependable capital in one of New England's most historic cities. From Federal-style restorations to two-family rentals near the university, we fund projects across Salem. Contact us today to discuss your next Salem 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.