Download your FREE "Pros, Cons, and Pitfalls" Guide

  • We never rent, sell, or share your info with anyone. It's not cool and we hate spam

  • This field is for validation purposes and should be left unchanged.

How to Build a Massachusetts Real Estate Portfolio Even if You Have Bad Credit

Time is money, which is especially true when discussing real estate investments. Don’t let your current financial status affect your future. While you can attain financing from sources other than conventional lenders, you should constantly strive to repair any damage to your credit as you build your portfolio and increase your monthly cash flow. If errors on the report have caused the damage, follow through with correcting the error or hire professionals to do so quickly.

Great wealth and security in retirement can be created by taking steps today towards your brighter tomorrow despite your credit standing. At the bottom of everything lies the importance of performing due diligence, buying the right investment property, tenant, and management quality which protects your income and investment.

Real estate is a great way to invest your money, and Massachusetts is a great place to do it. But what if you have bad credit? Can you still build a Massachusetts real estate portfolio? The answer is yes! There are a few steps you can take to make it happen. Read on as we explore how to build a Massachusetts real estate portfolio even if you have bad credit 

Owner Financing

Depending on the seller, you may be able to negotiate a deal where the seller finances the purchase of the property. This can be a great option for those with bad credit, as you can typically get more favorable terms than you would with a traditional loan.

Although negotiating skills are essential as you approach the owner with your proposal, being ready to outline all the reasons why working with you to allow time for credit repair is a good idea.  

Hard Money

Hard money lenders are individuals or firms that loan money to real estate investors with less-than-perfect credit. These loans typically have higher interest rates than traditional loans, but they can be a great way to get started if you can’t qualify for a traditional loan. Make sure to shop around for the best rates and terms.

However, you will need at least 25% down and carry higher interest on this short-term loan, often used by flippers. Keep in mind that the asset is the security for the loan. Your interest rates will likely lower with private individuals as you build a relationship, and they are more secure about your continued success. You should be ready to present the details pertinent to lenders and describe why the property and you make a good investment.


If you don’t have the credit to get a loan on your own, consider partnering with another investor who can provide the financing. This can be a great way to get started in real estate investing without having to worry about your credit score.

Your networking efforts pay off as you seek out a partner who has skills you may lack, matches your work ethic, and has money to invest; you can work together to build a Massachusetts real estate portfolio even if you have bad credit. In addition, gatherings of investors, skilled tradespeople, and industry professionals allow you to seek out team members who will become valuable players in your real estate investment business.


A line of credit is one way to access the equity you have built in your home. A line of credit allows you to borrow against the equity in your home and use the funds for whatever purpose you choose. If you have bad credit, a line of credit may be one of the few financing options available to you.

Once you have secured a line of credit, you can use the funds to purchase real estate investments in Massachusetts. Depending on the type of investment you are looking for, you may need to put down a portion of the purchase price in cash. However, the funds from the line of credit can be used to cover the rest of the purchase price.

When selecting a real estate investment, it is important to do your research and understand the local market conditions. You should also consider the location of the property and its potential for appreciation. While some investments may offer the potential for a quick return, it is important to look for properties that have long-term potential.

Don’t let bad credit or anything else stand in your way of building a Massachusetts real estate portfolio; let the professional investors at Deal Edge Properties help you overcome any hurdle. Talk to one of the seasoned pros at Deal Edge Properties, and you’ll see the difference working with local investors makes. The team at Deal Edge Properties are your neighbors here in Massachusetts who care about improving our community and the lives of the people in it, working together with investors like you, one deal at a time. At Deal Edge Properties, we understand the importance of communication with the experience to guide you and the wisdom to listen when you speak carefully. From locating resources for funding to finding excellent investment properties, professional management services, and everything in between, the professional investors at Deal Edge Properties are highly experienced negotiators aiming to help you realize your investment dreams. Don’t forget to ask about our current inventory at Deal Edge Properties of the best investment opportunities in Massachusetts.

Call Deal Edge Properties at (978) 274-0555.

Get More Info On Options To Sell Your Home...

Selling a property in today's market can be confusing. Connect with us or submit your info below and we'll help guide you through your options.

Get An Offer Today, Sell In A Matter Of Days...

  • This field is for validation purposes and should be left unchanged.