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✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026✦Prime Rate:6.75%✦Fed Funds:3.64%✦5-Yr Treasury:3.88%↓✦10-Yr Treasury:4.25%↓✦30-Yr Treasury:4.83%↓✦30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates

Connecticut DSCR Loans: No Tax Returns, 1.2 DSCR Min, Rates from 5.80%

Rental property financing for Connecticut investors qualified on property cash flow, not personal income, W-2s, or tax returns. Serving Hartford, New Haven, Bridgeport, Stamford and the rest of Connecticut. If the property cash-flows at 1.2× the mortgage, you may qualify.

  • 1.2 DSCR minimum
  • Credit is lender underwriting
  • Best-tier from 5.80%
  • 21–30 day close

Indicative as of August 1, 2026. Not a quote. Lenders set final pricing at underwriting.

See If You QualifyCalculate Your DSCR

Can I get a DSCR rental loan in Connecticut?

Yes. DSCR loans in Connecticut qualify investors based on property cash flow with a 1.2 DSCR minimum. Credit and equity injection are lender underwriting. PeerSense does not set a FICO floor. No tax returns, W-2s, or DTI calculation required. 1–4 unit residential and 5+ unit multifamily eligible. Governed best-tier floor 5.80% from rate-floors.json.

Published by PeerSense Capital Advisory · Written by Ed Freeman, Founder. Updated August 1, 2026.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Connecticut Rental Market Snapshot

State-level data DSCR underwriters use to size Connecticut rental deals.

Median Home Price
$395K
Statewide single-family
Gross Rental Yield
5.0–7.5%
Annual rent / price
Eviction Timeline
45–90 days
tenant-friendly
Rate Adjustment
+0.125%
vs national baseline

Connecticut splits between high-yield inland markets (Hartford, Waterbury, New Haven core) and premium coastal markets (Stamford, Greenwich, Westport). Hartford produces the deepest DSCR deal flow with 7–9% gross yields. Stamford and Greenwich are jumbo markets serving NYC commuters with thinner yields. Connecticut judicial foreclosure makes default workouts slow.

Major Connecticut Markets We Serve

Active DSCR deal flow across Connecticut's core rental markets. Same DSCR math statewide. Credit and equity injection are lender underwriting.

MetroMedian PriceGross YieldDSCR Investor Notes
Hartford$285K7.0–8.5%Largest CT DSCR market, insurance employment, highest cap rates in CT
New Haven$305K6.5–8.0%Yale demand, deep student-housing inventory, strong LTR base
Bridgeport$295K6.5–8.0%Industrial/port employment, BRRRR-friendly triplex/quad inventory
Stamford$605K4.0–5.5%NYC commuter premium pricing, jumbo loans, lower yields
Connecticut investor note:Connecticut has no statewide rent control but several cities (Hartford, New Haven, Bridgeport) have local rent-mediation boards. Judicial foreclosure timelines run 12–18 months.

Connecticut Eviction Timeline & Landlord Posture

How Connecticut courts handle non-payment evictions, material to DSCR loss-severity assumptions.

Posture
tenant-friendly
Typical Timeline
45–90 days
Rent Control
None / preempted

Connecticut requires a 9-day notice to quit followed by summary process. Housing Session courts in Hartford/New Haven/Bridgeport handle most filings, calendars typically push hearings 30–45 days out.

Connecticut Rate Adjustment vs National Baseline

+0.125%over national baseline pricing

Judicial foreclosure and local rent-mediation boards modestly increase lender loss severity assumptions.

Final pricing depends on DSCR, LTV, property type, and program. Credit is lender underwriting. Governed best-tier floor 5.80% from rate-floors.json as of August 1, 2026.

DSCR Lenders Active in Connecticut

The non-bank DSCR programs we see most frequently funding Connecticut rental deals. PeerSense matches your scenario across this lender set rather than locking you into one.

  • CoreVest
  • LendingOne
  • Visio Lending
  • RCN Capital

PeerSense is independent, not a lender. Lenders listed are programs we have funded Connecticut deals through; specific terms vary by file.

Connecticut DSCR Loan Requirements

RequirementMinimumNotes
DSCR1.201.00+ exists on specialty programs. Credit and equity are lender underwriting.
CreditLender underwritingPeerSense does not set a FICO floor. Capture the score on the form.
EquityLender underwritingPurchase DSCR is commonly structured around 65 to 75% LTV. PeerSense does not set a typical down.
Property Type1–4 units or multifamilyCondos, townhomes, STRs OK where legal
Income DocsNoneNo tax returns, W-2s, DTI check
Reserves6 months PITIAChecking, savings, stocks qualify
Close Time21–30 daysCash-out refi: 14–21 days

Not a commitment to lend. Rates and terms subject to underwriting. See our full DSCR loan guide for the complete program.

Indicative only, as of August 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense does not lend and does not set pricing. What these terms mean.

Get Connecticut DSCR Loan Terms

DSCR Rental: Response within 24–48 hours. No obligation.

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