Hard Money Lenders Connecticut – Fast Closings for Real Estate Investors
As one of the go-to hard money lenders in Connecticut, HardMoneyMan.com offers hard money loans in CTwith fair terms and a fast process. Click the button to get started by sending a few quick pieces of info.
Where To Find Connecticut Hard Money Lenders
The Leader in Hard Money Loans in Connecticut
Submitting your application package is quick and easy.
Real Estate Lending in CT with Speed, Transparency & Local Expertise
When time-sensitive deals call for fast funding, hard money lenders Connecticut provide the flexibility that traditional banks can’t match. Whether you’re flipping a distressed duplex in Bridgeport, rehabbing a rental in New Haven, or building ground-up in Stamford, our Connecticut hard money lending team delivers fast closes, tailored underwriting, and hands-on support — all without the red tape.
HardMoneyMan.com has been funding deals in Connecticut for over 25 years. We’re direct lenders — no brokers, no middlemen — which means fast decisions and transparent terms backed by data-driven valuations.
Why Work with Hard Money Lenders Connecticut Instead of Traditional Banks?
Asset-Based Lending Focused on the Deal — Not Credit Scores
Traditional lenders rely heavily on credit history, income verification, and restrictive appraisal processes. We don’t. As experienced hard money lenders Connecticut, we fund deals based on asset value, location, rehab scope, and exit strategy. No tax returns. No income docs. No surprises.
Fast Closings — Most in 7–10 Days
Our streamlined underwriting process means we often close deals in under 10 business days. That’s critical in competitive Connecticut markets like Hartford and Norwalk, where opportunities don’t wait.
We Fund All Property Types
- Fix & Flip projects
- Ground-up construction
- DSCR rental loans (30-year)
- Multi-family rehabs
- Mixed-use and small commercial assets
- Asset based 50% LTV deals
Watch this Short Video Below to Find out if the #1 Hard Money Lenders Connecticut will work for your next deal!
We Lend in:
Bridgeport, New Haven, Stamford, Hartford, Waterbury, Norwalk, Danbury, New Britain, West Hartford, Bristol and most cities in Connecticut
What Is a Hard Money Loan in Connecticut?
A hard money loan in Connecticut is short-term, asset-based financing used by real estate investors for flips, rentals, and new construction. These loans are funded by private lenders, close in under two weeks, and require no income documentation — ideal for fast-moving property deals.
Key Benefits:
No tax returns or W-2s required
Approvals in 24–48 hours
Closings in 7–10 days
Investor-focused underwriting
Available for flips, rentals & ground-up projects
Direct funding — no broker middleman
Statewide lending across Connecticut
Connecticut Fix and Flip Loans
Connecticut Construction Loans
Connecticut Rental Loans
Connecticut Multi Family Loans
Areas Covered by Hard Money Lenders Connecticut
We fund real estate investors statewide, with active lending in the following cities:
City | Popular Neighborhoods | Funding Focus |
Bridgeport | Black Rock, North End | Fix & Flip, Rentals |
New Haven | East Rock, Fair Haven | Rehab, Student Rentals |
Stamford | Glenbrook, Harbor Point | Luxury Rentals, New Builds |
Hartford | West End, South Meadows | Multi-family Refi, DSCR |
Norwalk | Rowayton, East Norwalk | Spec Homes, Condo Flips |
Danbury | Beaver Brook, Mill Plain | Rental Acquisitions |
Waterbury | Town Plot, Bunker Hill | Entry-level Rehabs |
West Hartford | Elmwood, Bishops Corner | High-ARV Flips, Bridge Loans |
Key Terms Offered by Connecticut Hard Money Lenders
As direct hard money lenders Connecticut, our terms adjust based on property type and borrower experience. Here’s a snapshot:
Loan to Value (LTV)
- Fix & Flip: Up to 90% of Purchase + 100% of Rehab
- DSCR Rental: Up to 80% LTV on purchases and 75% on refinances
- Construction: Up to 85% Loan to Cost
Rates & Fees
- Fix & Flip Rates: 10–12% Interest
- DSCR Rates: 6.5-8% Fixed (30-year)
- Origination: 1–2 Points
- Extension Options: Yes, with transparent fees
Loan Duration
- Fix & Flip: 12 Months
- Construction: 12-18 Months
- DSCR Rental: 30 Years
Who We Help — Fix & Flippers, Builders, Landlords & First-Time Investors
As leading hard money lenders Connecticut, we fund all types of borrowers:
- First-time rehabbers buying at auction
- Builders breaking ground on new lots
- Investors scaling DSCR rental portfolios
- Commercial buyers repositioning mixed-use assets
- Landlords rehabbing units for market rent increases
Don’t let a low credit score or non-W2 income stop your deal. Our underwriting is based on property value and execution — not on personal financials.
Connecticut Investment Market Snapshot
As of 2025, here are core metrics relevant to investors:
Metric | CT Statewide Average |
Median Home Price | $379,000 |
Avg Flip ROI (CT Metro) | 21.8% |
Avg Time to Close (Hard Money) | 8.5 Days |
DSCR Eligibility Rate | 82% of Rental Assets |
Top Zip for Investment | 06604 (Bridgeport) |
How to Apply for a Connecticut Hard Money Loan
We make it simple:
- Submit a quick form at Apply Here
- Upload contract + rehab scope (if applicable)
- We issue pre-approval in 24–48 hours
- Closing scheduled in 7–10 days
Tip: Include ARV comps or resale data when you apply — it speeds up underwriting and helps maximize your loan amount.
Explore DSCR Loan Options for Connecticut Investors
For investors focused on long-term rental income, DSCR loans offer scalable financing without traditional income verification. Our DSCR Loan Calculator helps you evaluate whether a deal qualifies based on rental cash flow, not personal tax returns. It’s ideal for Connecticut landlords expanding portfolios in cities like Waterbury or Danbury — where consistent rents meet rising property values.
Hard Money Loans for New Construction Projects
Connecticut is seeing increased demand for new residential builds, especially in Stamford and West Hartford. If you’re breaking ground, our hard money loans for new construction streamline funding with draw-based disbursements and minimal paperwork. We fund spec builds, infill developments, and teardown-to-new construction — all with fast approvals and transparent terms.
Lending Beyond Connecticut: Explore NJ & PA
If your investment footprint expands beyond Connecticut, you’ll find the same speed and expertise with our hard money lending in neighboring states. Check out our Hard Money Lenders New Jersey and Hard Money Lenders Pennsylvania pages to see localized terms, funding zones, and active investor strategies in those markets. The same fix & flip, rental, and construction options apply.
Get Your Loan Started — Pre-Approval in Hours
Whether you’re flipping a Bridgeport duplex or refinancing a Hartford 3-family, we make it fast and easy to start your deal. Our Get Your Loan form takes less than 5 minutes to complete — and you’ll typically have pre-approval back within a day. Upload your contract, rehab scope, and resale comps if available — and we’ll build the funding structure that makes your deal work.
Why Investors Choose Hard Money Loans in Connecticut
Real estate financing isn’t one-size-fits-all. When speed, flexibility, and access to capital matter most, Connecticut investors turn to private lending options like bridge funding and no-doc hard money loans. Whether you’re flipping in Stamford or securing rental property loans in New Haven, working with a direct lender streamlines the entire deal.
Investor Benefits:
Asset-based approvals, not income statements
Same-day term sheets available on qualified deals
Ideal for distressed property acquisitions and short timelines
Lending available across Stamford, New Haven, Bridgeport & beyond
Tailored solutions for fix & flip, DSCR, and ground-up builds
Trusted by Connecticut real estate professionals for over a decade
Close Fast, Stress-Free—with Our No-Doc Lending Options
With our streamlined no-income documentation process, investors in Connecticut typically close in just 7–10 days—without the paperwork headaches.
We fund fix & flip projects, rental portfolios, and new acquisitions with asset-based criteria and direct decision-makers. Our team understands the urgency behind off-market deals and distressed opportunities, and we’re built to move at investor speed.
When you work with us, you get:
Same-day term sheets on qualified submissions
Bridge and renovation funding with flexible terms
Lending across Stamford, Hartford, New Haven & surrounding areas
No tax returns, pay stubs, or bank statements required
Let us help you close with confidence—and with time to spare.
FAQ — Hard Money Lenders Connecticut
FAQ — Hard Money Lenders Connecticut
Connecticut Hard Money Lenders – Why Choose Us?
We're in the Business
We’ve rehabbed, sold and rented investment properties ourselves. We know what to look for so you can be confident that your project will result in profit.
We're a Direct Lender
We loan the money. We don’t find the money from someone else. This means you can rest easy knowing that if we approve your loan, it’s going to get funded. No surprises.
We're Fast and Efficient
We can give you preliminary approval in as little as 24 hours and have your loan closed and paid out in less than 7-10 days. We’re one of the most efficient hard money lenders in Connecticut.
We're Investor Focused
We consider you our partner and we want you to make money. We make it a point to look at our loans from all angles to make sure you’re going to get a fair return.