DSCR Loans in Lower Connecticut River Valley 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, 77 lenders made 191 investment-property loans in Lower Connecticut River Valley Planning Region, 3.3% of Connecticut's total. Dominick Prevete arranges DSCR loans across Lower Connecticut River Valley 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 $315,000.
See which lenders are most active in Lower Connecticut River Valley Planning Region →
Lower Connecticut River Valley Planning Region investor market at a glance
| Statistic | Lower Connecticut River Valley Planning Region | Connecticut | County rank |
|---|---|---|---|
| Investor loans | 191 | 5,824 | 7th of 8 |
| Reporting lenders | 77 | 325 | 7th of 8 |
| Loan volume | $61.6M | $2.06B | 7th of 8 |
| Average loan | $322K | $354K | 4th of 8 |
| Median loan | $275K | $295K | 4th of 8 |
| Purchases | 57.6% | 58.0% | 5th of 8 |
| Cash-out refinances | 27.2% | 26.9% | 4th of 8 |
| 2–4 unit properties | 38.2% | 41.2% | 7th of 8 |
| Top five lenders' share | 25.1% | 24.0% | 3rd of 8 |
| Reported business-purpose | 75.9% | 82.1% | 6th of 8 |
Lower Connecticut River Valley Planning Region: closed-end loans on 1–4 unit investment properties. Lower Connecticut River Valley Planning Region's rank is highest first, among Connecticut's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Lower Connecticut River Valley Planning Region's investor loans.
What stands out in Lower Connecticut River Valley Planning Region
75.9% of Lower Connecticut River Valley Planning Region's investor loans were reported as business-purpose, the 2nd-lowest share of Connecticut's 8 counties with published data (statewide: 82.1%).
Fewer investor loans here were reported as business-purpose than in most of Connecticut. Dominick arranges business-purpose financing only, on investment property, never a primary residence.
38.2% of Lower Connecticut River Valley Planning Region's investor loans financed a 2–4 unit property, the 2nd-lowest share of Connecticut's 8 counties with published data (statewide: 41.2%).
Single-family rentals dominate here. A DSCR loan qualifies a single-family rental on its market rent, not your income.
Does a DSCR loan pencil in Lower Connecticut River Valley Planning Region?
At HUD's fair market rent of $2,303 for a 3-bedroom in Lower Connecticut River Valley Planning Region, Connecticut, a rental covers its full DSCR payment up to a purchase price of about $315,000, with 20% down at the 7.25% starting rate (November 2026). Lower Connecticut River Valley Planning Region's median home value is $379,700; at that price the payment is $2,760 a month, so the property would need $2,775 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) | $379,700 |
| Median property taxes and effective rate | $6,357 (1.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,760 |
| Rent needed to cover that payment | $2,775 |
| Coverage of a 3-bedroom at fair market rent | 0.83 |
| Highest price a 3-bedroom at fair market rent covers | about $315,000 |
| 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 Lower Connecticut River Valley Planning Region's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Lower Connecticut River Valley Planning Region?
The most active investment-property lenders in Lower Connecticut River Valley Planning Region in 2025 HMDA data were Loan Funder LLC; Liberty Bank; and Kiavi Funding, Inc., out of 77 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 Lower Connecticut River Valley Planning Region, and matches each file to the one most likely to fund it.
Lower Connecticut River Valley Planning Region's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 191 loans and $61.6M from 77 lenders. Loan Funder LLC led Lower Connecticut River Valley Planning Region with 14 loans, 7.3% of the county's total, and the average Lower Connecticut River Valley Planning Region loan of $322K compares with $354K across Connecticut.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 14 | $4.0M | $284K | 57.1% |
| Liberty Bank | 10 | $3.2M | $318K | 70.0% |
| Kiavi Funding, Inc. | 8 | $2.8M | $351K | 87.5% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 8 | $2.0M | $253K | 75.0% |
| AMERICAN HERITAGE LENDING, LLC | 8 | $1.9M | $236K | 25.0% |
| Rocket Mortgage, LLC | 8 | $1.3M | $163K | 12.5% |
| A&D Mortgage LLC | 7 | $1.5M | $219K | 14.3% |
| CHAMPIONS FUNDING, LLC | 4 | $1.3M | $328K | 50.0% |
| Prosperity Home Mortgage, LLC | 4 | $1.2M | $308K | 75.0% |
| T2 FINANCIAL LLC | 4 | $1.2M | $305K | 100.0% |
| GUARANTEED RATE, INC. | 4 | $1.1M | $278K | 100.0% |
| TOTAL MORTGAGE SERVICES, LLC | 4 | $1.0M | $253K | 50.0% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 4 | $0.8M | $208K | 25.0% |
| HOMEXPRESS MORTGAGE CORP. | 3 | $2.8M | $918K | 66.7% |
| CCG Fund 1, LLC | 3 | $1.9M | $618K | 66.7% |
| FIRST WORLD MORTGAGE CORPORATION | 3 | $1.3M | $432K | 100.0% |
| DIME BANK | 3 | $1.1M | $378K | 33.3% |
| CMG MORTGAGE, INC. | 3 | $0.9M | $285K | 66.7% |
| DEEPHAVEN MORTGAGE LLC | 3 | $0.8M | $278K | 33.3% |
| OCMBC, INC. | 3 | $0.8M | $265K | 33.3% |
| TD Bank, National Association | 3 | $0.8M | $252K | 100.0% |
| KIND LENDING, LLC | 3 | $0.7M | $245K | 33.3% |
| LEI:254900C1CRYSCHG38F20 | 3 | $0.6M | $205K | 0.0% |
| TEMPLE VIEW CAPITAL FUNDING, LP | 2 | $2.7M | $1350K | 50.0% |
| JPMorgan Chase Bank, National Association | 2 | $1.1M | $535K | 100.0% |
551 Connecticut loans (9.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Lower Connecticut River Valley Planning Region: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Lower Connecticut River Valley Planning Region CSV, all 25 lenders
What Lower Connecticut River Valley Planning Region's table can't show you: fit. Short-term financing is exempt from HMDA, so Lower Connecticut River Valley Planning Region's fix-and-flip and bridge lenders barely appear among its 77 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 Lower Connecticut River Valley Planning Region, Connecticut deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Lower Connecticut River Valley 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 — Lower Connecticut River Valley Planning Region's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 77 lenders and 191 loans: 2025 HMDA loan-level data rolled up to Lower Connecticut River Valley Planning Region.
- Lower Connecticut River Valley Planning Region investor-lender dataset (CSV) — All 25 lenders in the Lower Connecticut River Valley Planning Region, Connecticut table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Lower Connecticut River Valley 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 — Lower Connecticut River Valley 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.