Hard Money Lenders Connecticut – Fast DSCR, Fix & Flip, Asset-Based & Spec Construction Loans
We fund residential and commercial loans across Connecticut, including Hartford, New Haven, Stamford, Bridgeport, and Waterbury. Close deals quickly with nationwide hard money financing for investors, landlords, and builders.
- ✅ DSCR Loans – 1–4 unit residential rentals
- ✅ Fix & Flip Loans – Up to 90% purchase + 100% rehab
- ✅ Spec Home Construction – Ground-up residential builds
- ✅ Asset-Based Loans – Residential & commercial properties
- ✅ Commercial Hard Money – Office, retail, warehouse, mixed-use
- ✅ Close in as Little as 7–20 Days
Connecticut real estate investors and builders trust hard money lenders Connecticut to provide fast, flexible financing for a variety of projects. Whether you’re funding a fix & flip, acquiring a rental property, building a new spec home, or investing in commercial real estate, our hard money loans are designed to close quickly and keep your deals moving. Unlike traditional banks, we focus on the property and its potential rather than relying solely on your personal credit, allowing approvals in as little as 7–20 days. We fund residential loans for 1–4 unit properties, larger multi-unit residential and mixed-use projects, and commercial assets including office buildings, retail centers, warehouses, and self-storage. Investors across Hartford, New Haven, Stamford, Bridgeport, Waterbury, and other cities statewide rely on our experience and streamlined process to secure the capital they need to grow their portfolios. With flexible terms, no unnecessary red tape, and a commitment to speed and reliability, our team ensures your financing aligns with your investment goals. Partner with one of the leading hard money lenders Connecticut for financing that works on your schedule.
We Lend in:
Bridgeport, New Haven, Stamford, Hartford, Waterbury, Norwalk, Danbury, New Britain, West Hartford, Bristol and most cities in Connecticut
Connecticut Real Estate Market Highlights
Median Sale Price
$414,900
Feb 2025
Median Days on Market
46
Feb 2025
Monthly Homes Sold
2,092
Feb 2025
Homes Sold Above List
49.9%
Feb 2025
Avg Fix & Flip ROI
40.8%
Q3 2024
Avg Fix & Flip Profit
$108,750
Q3 2024
Investing in Connecticut Real Estate
From flips in Bridgeport and Hartford to rentals in New Haven and Stamford, Connecticut offers diverse opportunities. Traditional lenders often hesitate on properties needing work or borrowers with credit challenges. HardMoneyMan steps in with fast, flexible capital so you can act quickly and secure deals.
Case Study: Hartford Fix & Flip Success
An investor purchased a duplex in Hartford for $120,000 using a HardMoneyMan Fix & Flip loan. With $50,000 in renovations, the property sold for $225,000 within six months — netting a $55,000 profit after loan payoff and costs. Fast funding and staged draws made the project possible.
Investment Loan Programs in Connecticut
Connecticut Fix & Flip Loans
Fast-turnaround loans for investors flipping single-family or 1–4 unit properties in Connecticut. Close in 7–14 days.
- Up to 90% Purchase
- 100% Renovation Funding
- Flexible Terms Based on Experience
Connecticut Spec Home Construction Loans
Finance speculative home builds with fast approvals and flexible draw schedules for Connecticut investors.
- Up to 80% of Construction Costs
- Interest-Only During Build
- Fast Draw Process
Connecticut 30-Year DSCR Rental Loans
Long-term rental loans qualifying by cash flow rather than income—perfect for buy-and-hold investors in Connecticut.
- 660+ Credit Score
- 1–4 Unit Properties
- Close in 14 Days
Connecticut 5+ Unit Multifamily Loans
Financing for investors acquiring or refinancing 5+ unit residential apartment buildings in Connecticut.
- Based on Cash Flow & Property Value
- Flexible Loan Sizes
- Fast Approvals
Connecticut Asset-Based Hard Money Loans
Loans secured by property assets for investors needing flexible financing without income documentation.
- Fast Closings
- Flexible Loan-to-Value
- Ideal for Experienced Investors
Connecticut Commercial Hard Money Loans
Financing for commercial real estate investors across Connecticut, offering fast funding and competitive terms.
- 1–50+ Unit Properties
- Flexible Terms & Rates
- Quick Closing Process
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
Connecting New England & New York Markets
Connecticut serves as a key bridge between New England and New York. We provide hard money loans across
New York,
Massachusetts,
and
Rhode Island,
helping investors operate efficiently across regional markets.
Frequently Asked Questions
How fast can I close in Connecticut?
Most loans close in 7–10 days, with approvals issued in 24 hours.
Do you offer fix and flip loans?
Yes. We provide short-term fix and flip loans with flexible draws and fast closings.
What equity is required for spec home loans?
Builders typically need 20–30% equity, with lot value often counting toward this requirement.
Do you finance rental properties?
Yes. DSCR loans qualify based on rental income, not personal income documentation.
Do you finance multifamily properties?
Yes. We provide loans for 5+ unit apartment buildings across Connecticut.
Are commercial properties eligible?
Yes. We provide asset-based loans for offices, retail, mixed-use, and industrial properties.
Do you lend to LLCs and entities?
Yes. All programs can be closed in LLCs or other entities.
Is Airbnb or short-term rental income considered?
Yes. Documented short-term rental income can be used for DSCR qualification.
Ready to Fund Your Connecticut Project?
Apply today and close in as little as 7 days with same‑day draws available.