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Weekly private-lending notes from Boston Trust Corp for October 19th, 2026, covering first position, cost of capital, and real estate market trends.

Flippers are paying up to 68% of after-repair value while more of them sell below it. Chris Anderson on why Massachusetts investors should underwrite off the last 90 days of closed sales, plus rates, rehab costs and this week's auction calendar.

We do not broker. We do not sell. We are the money. First Position By Chris Anderson The ten-year Treasury fell fifteen basis points last week. The thirty-year mortgage did not move a basis point. Freddie Mac printed 7.40 percent on Thursday, the same as the week before. The bond market gave back fifteen basis points. Your borrower’s exit got none of it. That gap is the spread, and it is now 231 basis points over the ten-year, up from 186 three weeks ago. Lenders are not pric

When a real estate deal is moving quickly, waiting days just to find out whether financing is possible can put an investor at a disadvantage. That is why getting written loan terms in 24 hours can be valuable when you are working with a time-sensitive acquisition, refinance, renovation, or other investment property opportunity. Boston Trust Corp provides direct private financing for Massachusetts real estate investors. The company underwrites loans in-house, issues written te

Fall is a good time for real estate investors in Boston, MA, to take a fresh look at their financing before the year gets too far along. You may be finishing a renovation, holding a rental property, planning a refinance, or looking to buy another property. Whatever your situation, a fall real estate financing review can help you see where your money is tied up, what loans may need attention, and whether you are ready for the next opportunity. The goal is not to change financi

As summer starts winding down, real estate investors have a good opportunity to look at where they stand and what they want to accomplish before the year ends. You may have completed a renovation, added a rental property, refinanced a loan, or spent the summer looking for the right deal. Whatever your summer looked like, the change of seasons is a useful time to review your properties, financing, and plans for the months ahead. Fall can bring new opportunities, but it can als

August is a good time to check in on your investment properties and see what is working and what may need to change. Maybe you finished a renovation this summer. Maybe a rental is doing better than expected. Or maybe you are already thinking about another property before the year ends. One thing worth reviewing is your current financing. The loan that worked when you bought the property may not be the best fit anymore. Refinancing could give you a chance to replace that loan

Summer is a common time for real estate investors to start new property projects. The weather is better, schedules may feel easier to manage, and many people are thinking about buying, selling, or improving a property before the season ends. July can be a good time to move forward, but it is also a good time to slow down and look at the numbers first. A project may look like a strong opportunity in the beginning, but if the funding does not fit the plan, things can become str

Summer is here, and for many real estate investors, that means new opportunities are starting to appear. More properties are on the market, buyers are staying active, and many investors are looking for their next project before the year moves too far along. A busy market can create exciting opportunities, but it can also bring more competition. The investors who are often in the best position are those who prepare in advance. When the right property becomes available, they ar

May is a busy time in real estate. More homes are available, buyers are active, and investors are trying to close deals before things shift again. While there are many good opportunities, not every deal makes it all the way to closing. A lot of deals fall apart for reasons that could have been avoided. Sometimes it is slow financing. Sometimes it is a problem with the property. Other times, it is simply a lack of preparation. The good news is that most of these issues can be

Spring is a busy time for real estate. More homes are listed, more buyers are active, and deals can move quickly. For investors, this means more chances to find good opportunities, but also more competition. The hard part is knowing when to move fast and when to slow down. Some deals are worth acting on right away. Others need more time and a closer look. If you wait too long on a good deal, someone else may take it. If you rush into the wrong one, it can cost you. Here are t

March is almost done, and the real estate market is moving again. The weather is improving, more properties are being listed, and investors are paying closer attention. Spring is often one of the busiest times of the year for real estate, which means competition can increase quickly. If you are planning to invest, now is the time to make sure your financing is ready. Real estate financing for spring market activity should be in place before you begin making offers. When the r

Hard money loans can be a useful tool for real estate investors, especially in competitive markets. They allow you to move quickly when a good deal comes up. In 2026, speed still matters. Properties that are priced well and located in strong areas do not sit on the market for long. But speed alone does not guarantee profit. Hard money loans usually come with higher interest rates and shorter terms. If you are not careful, those costs can cut into your return. The goal is not

The start of the year is one of the most active and competitive periods in real estate investing, especially across Massachusetts and the greater New England market. As sellers reposition assets, developers line up new projects, and investors move quickly to deploy capital, the ability to close fast often determines who wins the deal. Boston Trust Corp works closely with real estate investors throughout Massachusetts who need financing solutions that move at the speed of oppo

As the year comes to a close, many individuals and families take this time to evaluate their financial health and prepare for the year ahead. Implementing effective year-end financial planning strategies is one of the most valuable steps you can take to strengthen long-term wealth, reduce unnecessary financial risk, and ensure your investments are positioned for growth. Reviewing your financial position in December provides a clear picture of where you stand, helping you ente

Understanding Mixed-Use Developments and Their Growing Appeal In today’s urban landscape, mixed-use developments are reshaping how cities grow and how people live, work, and invest. These projects combine residential, commercial, and sometimes even industrial spaces within a single property or district, creating vibrant communities that foster convenience and long-term value. From revitalized downtown neighborhoods to modern suburban complexes, mixed-use developments have bec

The real estate industry is experiencing a shift toward sustainability, and lenders are playing a crucial role in this transformation. As developers embrace eco-friendly building practices, the demand for flexible and forward-thinking construction financing has never been higher. Green construction not only benefits the environment but also introduces new financial opportunities and risks that both lenders and borrowers must understand. Below are three essential perspectives

Boston has long been a city of transformation. From historic neighborhoods revitalized with modern amenities to underutilized land redeveloped into thriving communities, urban redevelopment projects are reshaping the landscape of the city. For developers and investors, these projects represent a significant opportunity, but they also require speed, flexibility, and access to reliable capital. That’s where private lending becomes a powerful tool. In this article, we’ll explore

In real estate development, timing is everything. Whether you're rehabbing a triple-decker or breaking ground on new construction, delays in your construction loan closing can throw off your entire schedule. Contractors start asking questions. Material costs creep up. Holding costs pile on. And before you know it, your budget’s already feeling the heat. The thing is, most slowdowns aren’t caused by something major. They come from little things—loose paperwork, unclear budgets

In today’s fast-moving real estate environment, mortgage brokers who diversify their product portfolio with private money loans can gain a meaningful advantage. Partnering with a reputable hard money lender allows brokers to serve more clients, increase revenue, and offer flexible financing solutions when traditional lending falls short. Expand Your Client Base with Flexible Lending Conventional loans are not always a fit for real estate investors or time-sensitive deals. Whe