DSCR Loans in Hartford, CT
Find lenders offering dscr loans in the Hartford, including West Hartford, New Britain, East Hartford, and surrounding areas. Compare rates, terms, and programs from 42 lenders.
DSCR Lenders Serving Hartford
42 lenders offering dscr loans in the Hartford, CT area.
RCN Capital
LocalSouth Windsor, CT
Nationwide private lender for fix-and-flip, bridge, and rental loans. Fast closings and flexible terms.
Planet Home Lending
LocalMeriden, CT
National wholesale and correspondent lender offering DSCR investor loans. Broad product menu including conventional, government, and non-QM programs.
Luxury Mortgage Corp
LocalStamford, CT
Wholesale and correspondent lender with DSCR investor programs. Known for jumbo non-QM and specialty products including foreign national and asset-based loans.
A&D Mortgage
Fort Lauderdale, FL
Wholesale non-QM lender. DSCR loans with 0 minimum DSCR, 80% max LTV, min FICO 620.
Angel Oak Mortgage Solutions
Atlanta, GA
Major non-QM and DSCR lender. Investor cash flow loans up to $1.5M. 40-year terms with interest-only options. No limit on properties.
Civic Financial Services
Redondo Beach, CA
Private money lender for residential investment properties. Bridge and DSCR rental loans. Subsidiary of Pacific Western Bank.
CoreVest Finance
Irvine, CA
Rental portfolio and bridge lender for residential real estate investors. Build-to-rent and portfolio financing specialist. Redwood Trust subsidiary.
CrossCountry Mortgage
Cleveland, OH
Large national lender offering DSCR, bank statement, and non-QM mortgage products alongside conventional and government loans.
Defy Mortgage
FL
DSCR lender with flexible terms. Accepts DSCR as low as 0.75 or no ratio. Up to 85% LTV on SFR purchases. Available in 35+ states.
Easy Street Capital
Austin, TX
Investment property lender specializing in fix-and-flip, bridge, and DSCR rental loans. Loans approved in 24 hours, close in 48 hours. Min credit score 600.
Griffin Funding
CA
Nationwide DSCR lender. No income verification, DSCR as low as 0.75. Up to $5M loan amounts. Also offers VA, conventional, and non-QM loans.
JMAC Lending
CA
DSCR loans available in select states. Min DSCR 0.75, max LTV 75%, min FICO 660-700.
Kiavi
San Francisco, CA
Technology-driven lender (formerly LendingHome). $16B+ in loans funded. DSCR rental loans and bridge loans for fix-and-flip.
Lending One
Boca Raton, FL
National direct lender for real estate investors. Fix-and-flip, bridge, and 30-year DSCR rental loans. $5B+ in originations.
Lima One Capital
Greenville, SC
Private lender for real estate investors. DSCR loans require 1.5+ ratio, min FICO 700. 5, 10, and 30-year options. Up to 75% LTV on purchases.
Hartford Commercial Real Estate Market
Hartford is the historic insurance capital of the United States, with companies like The Hartford, Aetna (now part of CVS Health), and Travelers maintaining significant operations in the metro. The downtown core along Main Street and Asylum Street has experienced elevated office vacancy as insurers consolidated and adopted hybrid work models, creating opportunities for adaptive reuse investors. West Hartford Center has become the metro's premier retail and dining destination, commanding top rents in the region. The I-91 corridor and the Bradley International Airport area in Windsor Locks support industrial and logistics tenancy, including Pratt & Whitney's jet engine manufacturing operations.
Key Economic Drivers
- ●Insurance industry headquarters and operations (The Hartford, Travelers, Lincoln Financial)
- ●Pratt & Whitney (RTX Corporation) jet engine manufacturing and engineering in East Hartford
- ●Hartford HealthCare and Trinity Health Of New England hospital systems
- ●University of Connecticut and its Hartford campus expansion in the downtown core
Market Insight
Connecticut's judicial foreclosure process averages 18 to 36 months, which is among the longest in the nation, and CRE lenders active in the Hartford market must factor this extended timeline into their risk modeling and distressed asset recovery assumptions.
DSCR Loans in Hartford, Connecticut
Debt Service Coverage Ratio (DSCR) loans let real estate investors qualify based on the property's rental income rather than personal income or employment. Ideal for investors building a portfolio without traditional income documentation. In the Hartford metro area, borrowers can access 42 lenders offering DSCR financing, including West Hartford, New Britain, East Hartford, and surrounding areas. Loan amounts typically range from $100K to $5M with rates from 7.0% - 9.5%.
Who Should Consider DSCR Loans?
- Real estate investors
- Portfolio builders
- Self-employed borrowers
- Foreign nationals
Key Requirements
- Minimum credit score: 620-680
- DSCR ratio ≥ 1.0
- Down payment: 20-25%
- Property must be investment (not owner-occupied)
Advantages
- ✓No personal income verification
- ✓Unlimited properties
- ✓Fast closing
- ✓LLC/entity vesting allowed
Considerations
- •Higher rates than conventional
- •Larger down payment
- •Prepayment penalties common
- •Minimum DSCR ratio required (typically 1.0-1.25)
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