Connecticut DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
Connecticut (CT) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in Connecticut utilize Judicial (Strict Foreclosure or Foreclosure by Sale) security instruments, with an average non-homestead effective property tax rate of 1.96%, a median 1–4 unit investment home price of $395,000 (median rent $3,100/mo), and 5+ unit multifamily market rents averaging $1,780/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Judicial (Strict Foreclosure or Foreclosure by Sale)EFFECTIVE PROPERTY TAX
1.96% Avg ($645/mo)MEDIAN 1–4 UNIT PRICE & RENT
$395,000 · $3,100/mo5+ UNIT MULTIFAMILY RENT
$1,780/door/moConnecticut Pre-Populated Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine
Price/Door: $395,000·Loan/Door: $296,250·Avg Rent/Door: $3,100/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.16xCanonical:
116 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$296,25029,625,000 _cents
Monthly P&I Debt Service$1,897/mo@ 6.625% Note Rate
Total Monthly PITIA$2,680/moTax: $645 · Ins: $138
Net Monthly Cash Flow+$420/mo$5,036/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $2,680/mo | 1.16x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,730/mo | 1.14x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $2,512/mo | 1.23x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.
Connecticut Cities with Population ≥ 50,000 (13 Markets)
Click any Connecticut city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (CT) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Bridgeport, CT → | FAIRFIELD County County | 160,465 | 2.04% | $435,000 | $3,400/mo | $1,950/door |
| New Haven, CT → | NEW HAVEN County County | 142,419 | 1.96% | $380,000 | $3,000/mo | $1,700/door |
| Stamford, CT → | FAIRFIELD County County | 137,837 | 1.84% | $365,000 | $2,900/mo | $1,650/door |
| Hartford, CT → | HARTFORD County County | 136,269 | 2.12% | $395,000 | $3,100/mo | $1,775/door |
| Waterbury, CT → | NEW HAVEN County County | 119,547 | 2.04% | $410,000 | $3,200/mo | $1,825/door |
| Norwalk, CT → | FAIRFIELD County County | 95,676 | 1.96% | $355,000 | $2,850/mo | $1,625/door |
| Danbury, CT → | FAIRFIELD County County | 91,216 | 1.8% | $360,000 | $2,850/mo | $1,650/door |
| New Britain, CT → | HARTFORD County County | 79,504 | 1.96% | $355,000 | $2,850/mo | $1,625/door |
| Bristol, CT → | HARTFORD County County | 66,019 | 2.04% | $390,000 | $3,050/mo | $1,750/door |
| Meriden, CT → | NEW HAVEN County County | 65,897 | 2% | $385,000 | $3,000/mo | $1,725/door |
| West Haven, CT → | NEW HAVEN County County | 60,000 | 2.08% | $395,000 | $3,050/mo | $1,750/door |
| Milford, CT → | NEW HAVEN County County | 56,292 | 1.88% | $345,000 | $2,750/mo | $1,600/door |
| Middletown, CT → | MIDDLESEX County County | 51,593 | 2.04% | $390,000 | $3,050/mo | $1,750/door |