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DSCR Rental Loans · Connecticut

DSCR rental loans in Connecticut — qualify on the rent.

Mortava DSCR loans in Connecticut: 620+ FICO, up to 85% LTV, min DSCR 0.50, 30/40-yr fixed — statewide.

Connecticut is solid multifamily cash flow within commuting distance of the NYC metro. Mortava funds investment properties statewide — up to 85% LTV, 30 & 40-year fixed, no tax returns — so you can buy and refinance in Bridgeport, New Haven, Hartford and beyond on the deal's cash flow.

No tax returns, W-2s, or DTI — qualify on the rent
Up to 85% LTV · 30 & 40-yr fixed & interest-only
Close in an LLC · soft inquiry only
Get a live Connecticut term sheet
Soft inquiry only — won't affect your credit.
Business-purpose financing for investors. Indicative terms only — not a commitment to lend.

Why investors finance Connecticut rentals with Mortava

DSCR loans let Connecticut investors scale without the income docs a bank requires. Because qualification is based on the property's rent rather than your personal income, there are no tax returns, no W-2s, and no DTI calculation — ideal for self-employed buyers, full-time investors, and anyone growing a portfolio across Bridgeport, New Haven, Hartford, Stamford.

Connecticut’s 2–4 unit stock in Bridgeport, New Haven, and Hartford rents to NYC-metro commuters at price points New York itself can’t offer. Multifamily deals here are underwritten on total property rent, not trophy value.

Top metros we lend in
Bridgeport, New Haven, Hartford, Stamford
Max leverage
Up to 85% LTV purchase · 80% cash-out CLTV
Terms
30 & 40-year fixed and interest-only
Minimum FICO
620 (better leverage at 660+ / 740+)

BRRRR in Connecticut

Markets like Bridgeport and New Haven are natural BRRRR territory: buy below market, renovate, rent, then refinance into a long-term DSCR loan at the new value. The DSCR cash-out refi (up to 80% CLTV) is the "refinance" step — our BRRRR method guide walks through the full cycle.

Guidelines reviewed July 2026 by the Mortava lending team.

Connecticut DSCR loan FAQ

Can I get a DSCR loan in Connecticut?
Yes. Mortava lends on investment properties across Connecticut, including Bridgeport, New Haven, Hartford, Stamford. DSCR loans qualify on the property's rent — not your tax returns — so out-of-state and self-employed investors can buy in Connecticut without W-2s or DTI.
What credit score do I need for a Connecticut DSCR loan?
Most Connecticut DSCR programs start at a 620 FICO. Stronger credit unlocks higher leverage (up to 85% LTV) and better pricing, since loans are priced by FICO band.
Can I close a Connecticut DSCR loan in an LLC?
Yes. These are business-purpose loans, so you can vest title in an LLC or corporation — common for asset protection and portfolio growth in Connecticut.
Do you lend on rentals in Bridgeport and New Haven?
Yes — Mortava lends across Bridgeport, New Haven, Hartford, Stamford and every other Connecticut market. DSCR loans are sized on each property's rent, so a Bridgeport duplex and a small-town single-family are underwritten the same way.
Can an out-of-state investor buy a Connecticut rental with a DSCR loan?
Yes. Qualification is based on the property's rent in markets like Bridgeport — not your personal income or where you live — so out-of-state investors close Connecticut DSCR loans routinely.
DSCR rental loans by state
DSCR in AlabamaDSCR in AlaskaDSCR in ArizonaDSCR in ArkansasDSCR in CaliforniaDSCR in ColoradoDSCR in DelawareDSCR in FloridaDSCR in GeorgiaDSCR in HawaiiDSCR in IdahoDSCR in Illinois
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