Commercial Hard Money Loans in Connecticut

Areas Covered by Hard Money Lenders Connecticut

We fund real estate investors statewide, with active lending in the following cities:

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:

How to Apply for a Connecticut Hard Money Loan

We make it simple:

1. Submit a quick form at Apply Here
2. Upload contract + rehab scope (if applicable)
3. We issue pre-approval in 24–48 hours
4. 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