DSCR Loans in Capitol Planning Region, Connecticut
Reviewed by Dominick Prevete, Founder & CEO, National Loan Provider31+ years in real estate finance
LinkedIn35 closed transactionsNLPI LLC, NJ entity ID 0451062247 (verify on the NJ business search)
In 2025 HMDA data, 183 lenders made 1,304 investment-property loans in Capitol Planning Region, 22.4% of Connecticut's total. Dominick Prevete arranges DSCR loans across Capitol Planning Region, Connecticut, qualified on the property's rent, not your tax returns. DSCR rental loans start from 7.25% (November 2026), and most close in 14 days. At HUD's fair market rent, a three-bedroom rental there covers its full payment up to a price of about $305,000.
See which lenders are most active in Capitol Planning Region →
Capitol Planning Region investor market at a glance
| Statistic | Capitol Planning Region | Connecticut | County rank |
|---|---|---|---|
| Investor loans | 1,304 | 5,824 | 1st of 8 |
| Reporting lenders | 183 | 325 | 1st of 8 |
| Loan volume | $355.8M | $2.06B | 2nd of 8 |
| Average loan | $273K | $354K | 7th of 8 |
| Median loan | $265K | $295K | 6th of 8 |
| Purchases | 60.6% | 58.0% | 3rd of 8 |
| Cash-out refinances | 26.7% | 26.9% | 5th of 8 |
| 2–4 unit properties | 41.9% | 41.2% | 6th of 8 |
| Top five lenders' share | 23.3% | 24.0% | 6th of 8 |
| Reported business-purpose | 78.5% | 82.1% | 5th of 8 |
Capitol Planning Region: closed-end loans on 1–4 unit investment properties. Capitol Planning Region's rank is highest first, among Connecticut's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Capitol Planning Region's investor loans.
What stands out in Capitol Planning Region
The average investor loan in Capitol Planning Region was $273K, the 2nd-lowest average of Connecticut's 8 counties with published data (statewide: $354K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Capitol Planning Region's 1,304 investor loans ranked 1st of Connecticut's 8 counties with published data.
Does a DSCR loan pencil in Capitol Planning Region?
At HUD's fair market rent of $2,303 for a 3-bedroom in Capitol Planning Region, Connecticut, a rental covers its full DSCR payment up to a purchase price of about $305,000, with 20% down at the 7.25% starting rate (November 2026). Capitol Planning Region's median home value is $323,700; at that price the payment is $2,439 a month, so the property would need $2,450 in rent to cover it.
Coverage under 1.00 doesn't end the deal: the DSCR programs Dominick arranges go down to no-ratio, priced for the lower coverage, and a lower price or a larger down payment raises the ratio.
| HUD fair market rent, 2 / 3 / 4 bedroom (FY2027) | $1,933 / $2,303 / $2,542 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $323,700 |
| Median property taxes and effective rate | $6,454 (1.99% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,439 |
| Rent needed to cover that payment | $2,450 |
| Coverage of a 3-bedroom at fair market rent | 0.94 |
| Highest price a 3-bedroom at fair market rent covers | about $305,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $510,000 |
| HUD area | Hartford-West Hartford-East Hartford, CT MSA |
Fair market rent is HUD's 40th-percentile gross rent, including utilities; a property's appraised market rent can be higher or lower. Payment uses 20% down, a 30-year amortization at the published DSCR starting rate, the county's median effective property-tax rate and insurance at 0.50% of value. Purchase leverage goes up to 85% on qualifying files. This is an illustration, not a term sheet or an offer of credit.
Price your actual deal →Run Capitol Planning Region's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Capitol Planning Region?
The most active investment-property lenders in Capitol Planning Region in 2025 HMDA data were Kiavi Funding, Inc.; UNITED SHORE FINANCIAL SERVICES, LLC; and Loan Funder LLC, out of 183 lenders that reported. HMDA doesn't flag which loans were DSCR loans, so this list mixes DSCR and conventional investment-property lenders. Dominick Prevete places DSCR loans across 100+ lenders, including several that reported in Capitol Planning Region, and matches each file to the one most likely to fund it.
Capitol Planning Region's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 1,304 loans and $355.8M from 183 lenders. Kiavi Funding, Inc. led Capitol Planning Region with 89 loans, 6.8% of the county's total, and the average Capitol Planning Region loan of $273K compares with $354K across Connecticut.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Kiavi Funding, Inc. | 89 | $24.6M | $276K | 83.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 83 | $19.7M | $237K | 72.3% |
| Loan Funder LLC | 66 | $19.2M | $290K | 59.1% |
| FIRST WORLD MORTGAGE CORPORATION | 33 | $9.1M | $276K | 81.8% |
| BPL MORTGAGE TRUST, LLC | 33 | $5.5M | $167K | 12.1% |
| TOTAL MORTGAGE SERVICES, LLC | 31 | $7.6M | $244K | 64.5% |
| Chelsea Groton Bank | 30 | $8.1M | $269K | 80.0% |
| Rocket Mortgage, LLC | 29 | $6.1M | $211K | 37.9% |
| OCMBC, INC. | 26 | $8.3M | $319K | 50.0% |
| NEWREZ LLC | 26 | $6.3M | $243K | 50.0% |
| NEXERA HOLDING LLC | 25 | $6.6M | $262K | 56.0% |
| CHAMPIONS FUNDING, LLC | 24 | $7.9M | $331K | 45.8% |
| MEMBERS MORTGAGE COMPANY, INC. | 22 | $7.3M | $330K | 77.3% |
| AMWEST FUNDING CORP. | 21 | $6.0M | $285K | 66.7% |
| Logan Finance Corporation | 19 | $6.4M | $339K | 21.1% |
| HOMEXPRESS MORTGAGE CORP. | 18 | $5.8M | $319K | 38.9% |
| Liberty Bank | 18 | $5.0M | $278K | 72.2% |
| PLANET MANAGEMENT GROUP, LLC | 18 | $4.7M | $262K | 100.0% |
| DEEPHAVEN MORTGAGE LLC | 18 | $4.7M | $259K | 27.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 17 | $4.6M | $273K | 35.3% |
| U.S. Bank National Association | 17 | $4.0M | $234K | 88.2% |
| Windosr Federal Savings & Loan Association | 17 | $3.6M | $214K | 58.8% |
| THE LOAN STORE, INC. | 16 | $4.9M | $306K | 50.0% |
| Hometown Equity Mortgage, LLC | 16 | $4.9M | $306K | 43.8% |
| AMERICAN HERITAGE LENDING, LLC | 15 | $3.2M | $216K | 33.3% |
551 Connecticut loans (9.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Capitol Planning Region: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Capitol Planning Region CSV, all 25 lenders
What Capitol Planning Region's table can't show you: fit. Short-term financing is exempt from HMDA, so Capitol Planning Region's fix-and-flip and bridge lenders barely appear among its 183 filers, and none of the 25 names above tells you whose guidelines match your deal, your entity, or your timeline. That's the job. Dominick Prevete structures your file and places it across 100+ lenders — including several on this list — so it lands with the one most likely to fund it.
Price your loan →National Loan Provider is an independent broker and maintains wholesale relationships with some listed lenders. Appearing in this table is not an endorsement or a recommendation.
Run the coverage test on your Capitol Planning Region, Connecticut deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Capitol Planning Region, Connecticut property's rent, loan, taxes and insurance to see where it lands.
Principal and interest on a thirty-year amortization, plus taxes, insurance and HOA.
Enter the rent, loan amount, rate, taxes and insurance to see the coverage ratio.
Sources
- CFPB / FFIEC HMDA Data Browser — Capitol Planning Region's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 183 lenders and 1,304 loans: 2025 HMDA loan-level data rolled up to Capitol Planning Region.
- Capitol Planning Region investor-lender dataset (CSV) — All 25 lenders in the Capitol Planning Region, Connecticut table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Capitol Planning Region's 2-, 3- and 4-bedroom fair market rents in the rent math, and the 3-bedroom rent its highest-price figure uses: HUD's FY2027 figures for the Hartford-West Hartford-East Hartford, CT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Capitol Planning Region's median home value (B25077) and median property taxes paid (B25103) in the rent math, from the Census 2020–2024 ACS 5-year summary files.
- DSCR loan rates, Dominick Prevete — DSCR rental loans start from 7.25%, as of November 2026: the Instant Term Sheet's best-case scenario on the current rate sheets.