DSCR Financing in CT
DSCR Loans in Connecticut
Hartford triple-deckers, New Haven university rentals, and Fairfield County NYC commuter plays. Connecticut is a small but deep small-multifamily market.
Local Market Context
Investor Markets in Connecticut
Hartford
The state's primary cash-flow metro with affordable triple-deckers and strong tenant demand.
New Haven
Yale-driven rental demand and multifamily inventory in a stable submarket.
Bridgeport
Deep Section 8 inventory and low entry prices in CT's largest city.
Stamford
Commuter rentals into NYC with higher prices and stronger appreciation.
Common Properties
What Investors Finance in Connecticut
- ✓Hartford and New Haven triple-deckers and 2-4 unit multifamily
- ✓Bridgeport Section 8 SFRs and small multis
- ✓Stamford and Norwalk commuter SFRs
- ✓New Haven university-adjacent rentals
- ✓Waterbury workforce housing
Property Types
DSCR Property Eligibility
Depending on the selected capital partner, eligible property types can include single-family rentals, condos, non-warrantable condos, 2 to 4 units, 5 to 8 units, 9 to 20 units, rural properties with leverage adjustments, and mixed-use properties that are at least 50% residential.
Refinance optionsPurchase optionsProgram Paths
Current DSCR Options in Connecticut
Get Brick Capital works direct-to-wholesale across multiple capital partners. These are separate program paths, so the strongest feature from one option should not be assumed to combine with another.
Program 3
Completed Rehab
A completed renovation can use the new ARV immediately. Minimum 660 FICO, $75,000 loan, $100,000 property value, and no executed lease required.
Program 1
Small Balance
Loans can start at $50,000 with a $75,000 minimum property value. New-ARV cash-out generally requires at least 91 days and a lease is required.
Program 7
Low / No FICO, No Minimum DSCR
Qualifying purchases can reach up to 75% LTV and refinances up to 60% LTV, with no minimum DSCR ratio requirement and loan amounts up to $10 million. Pricing is materially higher than standard-credit programs.
Program 3 cash-out in Connecticut is generally capped at 75% LTV. The 80% Program 3 cash-out tier is limited to specific states. Final leverage can also be reduced by DSCR, property type, value, loan size, and other overlays.
Connecticut DSCR FAQ
Does Get Brick Capital offer DSCR loans in Connecticut?
Yes. Connecticut is one of the 46 states Get Brick Capital currently services through its wholesale capital-partner network.
Is Program 7 available in Connecticut?
Yes. Program 7 can be available in Connecticut for qualifying low-FICO, no-FICO, or no-minimum-DSCR scenarios. Purchases can reach up to 75% LTV and refinances up to 60% LTV.
Do I need W-2s or personal tax returns?
DSCR income qualification does not use W-2s, pay stubs, or personal tax returns. The most recent two months of bank statements are generally still required to verify closing funds and liquidity, and eligible assets can be used for reserves.
Can I close the loan in an LLC?
Yes. DSCR loans can close in an LLC. Other eligible vesting can include individual ownership, corporations, and approved trusts depending on the program.
See Your Connecticut DSCR Options
No credit pull for the initial quote. Rates within 24 hours. Typical 28-day close with complete documentation.