DSCR LOANS · Connecticut (CT) Underwriting Matrix

Connecticut DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — 2026 Rates, LTV Caps & State Rules

Connecticut DSCR Loans provide business-purpose real estate investors with Up to 80% LTV Purchase / 75% Cash-Out across loan amounts from $100,000 – $15,000,000+ at 6.375% – 8.25% (Wholesale Tier Dependent) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO, 620 – 660+ FICO min FICO, 14 – 21 Business Days close). In Connecticut (CT), lenders underwrite to a Judicial (Strict Foreclosure or Foreclosure by Sale) statutory framework (180–270 days-day average timeline), a 1.96% average property tax rate (~$645/mo at the $395,000 state median), and $520/$100K hazard insurance (~$171/mo).

Max Leverage / LTC

Up to 80% LTV Purchase / 75% Cash-Out

Min FICO: 620 – 660+ FICO

2026 Rate Band

6.375% – 8.25% (Wholesale Tier Dependent)

30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO

CT Security Instrument

Judicial (Strict Foreclosure or Foreclosure by Sale)

180–270 days days avg timeline

CT Avg Tax & Ins

1.96% Tax

$520/$100K Hazard Ins

How DSCR Loans Work in Connecticut (CT)

Debt Service Coverage Ratio (DSCR) loans qualify real estate investors strictly on the subject property’s rental cash flow (DSCR = Monthly Rent ÷ Monthly PITIA for 1–4 units, or Annual NOI ÷ Debt Service for 5+ units) rather than personal W-2s or federal tax returns. Loan Daddy LLC (NMLS #2827624) underwrites 1–4, 5–8, 5–9, 5–10, 5–25, and 5+ unit properties up to 80% LTV nationwide.

1. Connecticut Median Benchmark

Median 1–4 unit price of $395,000 (75% LTV = $296,250) with Form 1007 rent of $3,100/mo and multifamily rent of $1,780/door.

2. Escrow & Title Underwriting

Connecticut operates under a Judicial (Strict Foreclosure or Foreclosure by Sale) regime (180–270 days days). Lenders require ALTA lender's title endorsement, LLC Good Standing, and 6 months PITIA liquidity reserves.

3. Fast-Track Closing (14 – 21 Business Days)

Close in your Connecticut LLC or Delaware LLC registered in CT with zero personal tax returns, W-2s, or 4506-C transcripts.

Explore Other Programs in Connecticut

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