Why Investors Choose Us for Cohasset Projects
Jumbo Loan Capacity
A standard hard money lender often caps out at $1M, which doesn’t get you far in Cohasset. We routinely fund loans between **$1.5M and $4M+**. We understand that the “dirt value” alone on Atlantic Avenue can exceed $2M, and we have the liquidity to fund the acquisition and the high-end vertical construction.
Speed to Win “The Village”
Homes within walking distance of Cohasset Village and the harbor are rare and highly coveted. When one hits the market, it receives multiple cash offers. We issue Proof of Funds letters immediately and can close in 10–14 days, giving your offer the strength of a cash bid without tying up your own liquidity.
Navigating Coastal Regulations
Investing in Cohasset often means dealing with the Conservation Commission, FEMA flood zones, and the Cohasset Sewer Commission. Unlike banks that freeze when they see a property in a “Velocity Zone” or with a tight wetland buffer, we understand coastal construction risks and can fund projects with the right approvals in place.
High-End Construction Financing
Cohasset buyers expect perfection. “Builder-grade” finishes do not sell here. We provide 100% of construction costs, allowing you to budget for the copper gutters, cedar shingle siding, and Wolf/Sub-Zero kitchens required to achieve the highest resale value.
Why Invest in Cohasset, MA?
Cohasset offers a unique blend of a resort town and an executive hub. If you are seeking a Hard Money Lender Cohasset, MA to help deliver turn-key inventory to professional families, we are ready to fund your project.
The Greenbush Line Effect
The restoration of the Greenbush Commuter Rail (with a dedicated stop in Cohasset) transformed the town’s accessibility. Executives can now live in a coastal estate and be at South Station in 45 minutes. This has created evergreen demand for luxury family homes near the station and Route 3A.
Scarcity of Land
Cohasset is geographically small and geologically rocky. There is very little buildable land left. This scarcity protects property values and makes “Teardown & Rebuild” the primary strategy for new inventory.
The “Summer” Premium
Cohasset has a robust seasonal rental market, particularly for homes near Sandy Beach or Black Rock Beach. Investors can utilize our DSCR loans to hold properties as high-yield summer rentals or executive corporate housing during the off-season.
Our Loan Programs for Cohasset
Luxury Fix & Flip
Modernize the historic inventory in the Village or the mid-century homes on the outskirts.
- Up to 90% of Purchase Price
- 100% of Renovation Costs
- Interest Reserves available to improve cash flow during the project
Coastal New Construction
For teardowns on premium lots with ocean views.
- Up to 75% of Land Value
- Flexible Draw Schedules tailored to complex site work (ledge blasting/septic)
- Experience with “Stilt/Pile” foundation funding in flood zones
Bridge Loans
Unlock equity in your current portfolio to buy a Cohasset trophy property.
- Fast closing to secure the asset
- No appraisal contingencies on select deals
- Cross-collateralization options to maximize leverage
Our Loan Process
Our primary goal is the seamlessly take our clients from Application to Funding so they can focus on what they do best — their projects.
Submit Application
Send us our application, the P&S and your budget.
Loan Underwriting
We will send you a term sheet within 24 hours.
Document Collection
We’ll collect the necessary documents we need while title and appraisal are being obtained.
Closing
The closing attorney will coordinate with us, buyer and seller. Congratulations!
Investment Opportunities in Cohasset
The “Jerusalem Road” Corridor
This is one of the most famous scenic drives in New England. Properties here are “trophy assets.” The opportunity is often finding a home that hasn’t been updated since the 1980s and bringing it to modern ultra-luxury standards. The margins on these $3M+ flips can be substantial.
Village Walkability
Young families are flocking to the area around South Main Street and Elm Street. They want the “Gilmore Girls” lifestyle—walking to coffee shops, the library, and the harbor. Renovating classic colonials in this zone is a lower-risk, high-demand strategy.
Septic-to-Sewer Value Add
Cohasset has been expanding its sewer district, but many homes are still on private septic. Buying a home with a failed septic system and connecting it to the town sewer (if available) or installing a state-of-the-art denitrification system forces instant appreciation.
Latest Case Studies
18 Erin Road
Single Family Fix N Flip
- Purchase:
$217,000 - Down Payment:
$47,000 - Construction:
$90,000 - Loan Amount:
$260,000 - After Repair Value:
$345,000
54 Pilgrim Road
Single Family Flip + Addition
- Purchase:
$575,000 - Down Payment:
$125,000 - Construction:
$500,000 - Loan Amount:
$950,000 - After Repair Value:
$1,500,000
57 Palmer Street
New Construction 2 units
- Purchase:
$400,000 - Down Payment:
$150,000 - Construction:
$600,000 - Loan Amount:
$850,000 - After Repair Value:
$1,400,000
Frequently Asked Questions
Yes. Much of Cohasset’s coastline is in FEMA Flood Zone AE or VE. We require flood insurance to be in place at closing, but we do not shy away from these properties. We understand that the view is worth the insurance premium.
Cohasset is famous for its granite ledges. If your project requires blasting or hammering for a foundation, we can include those heavy site-work costs in your construction budget.
We have no hard cap, but we routinely fund deals in the $2M–$4M range in this zip code. For amounts over $3M, we may require a slightly lower LTV (e.g., 80% instead of 90%), depending on the borrower’s experience.
No. We lend on spec homes. In a market like Cohasset with such low inventory, we are confident in the exit strategy without requiring a buyer to be signed up beforehand.