DSCR Loans in Naugatuck 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, 131 lenders made 756 investment-property loans in Naugatuck Valley Planning Region, 13.0% of Connecticut's total. Dominick Prevete arranges DSCR loans across Naugatuck 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 $290,000.
See which lenders are most active in Naugatuck Valley Planning Region →
Naugatuck Valley Planning Region investor market at a glance
| Statistic | Naugatuck Valley Planning Region | Connecticut | County rank |
|---|---|---|---|
| Investor loans | 756 | 5,824 | 3rd of 8 |
| Reporting lenders | 131 | 325 | 4th of 8 |
| Loan volume | $209.8M | $2.06B | 5th of 8 |
| Average loan | $278K | $354K | 6th of 8 |
| Median loan | $275K | $295K | 4th of 8 |
| Purchases | 55.6% | 58.0% | 6th of 8 |
| Cash-out refinances | 33.2% | 26.9% | 2nd of 8 |
| 2–4 unit properties | 54.5% | 41.2% | 1st of 8 |
| Top five lenders' share | 27.2% | 24.0% | 1st of 8 |
| Reported business-purpose | 85.4% | 82.1% | 1st of 8 |
Naugatuck Valley Planning Region: closed-end loans on 1–4 unit investment properties. Naugatuck 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 Naugatuck Valley Planning Region's investor loans.
What stands out in Naugatuck Valley Planning Region
54.5% of Naugatuck Valley Planning Region's investor loans financed a 2–4 unit property, the highest share of Connecticut's 8 counties with published data (statewide: 41.2%).
2–4 unit properties are common here. A DSCR loan on a 2–4 unit property qualifies on the rent from all of its units.
By share of investor loans reported as business-purpose, Naugatuck Valley Planning Region ranks highest of Connecticut's 8 counties with published data (statewide: 82.1%).
85.4% of investor loans here were reported as business-purpose, the only kind of financing Dominick arranges.
The five most active lenders wrote 27.2% of Naugatuck Valley Planning Region's investor loans, the highest share of Connecticut's 8 counties with published data (statewide: 24.0%).
Five lenders write 27.2% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in Naugatuck Valley Planning Region?
At HUD's fair market rent of $2,184 for a 3-bedroom in Naugatuck Valley Planning Region, Connecticut, a rental covers its full DSCR payment up to a purchase price of about $290,000, with 20% down at the 7.25% starting rate (November 2026). Naugatuck Valley Planning Region's median home value is $317,700; at that price the payment is $2,365 a month, so the property would need $2,375 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) | $1,745 / $2,184 / $2,599 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $317,700 |
| Median property taxes and effective rate | $5,983 (1.88% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,365 |
| Rent needed to cover that payment | $2,375 |
| Coverage of a 3-bedroom at fair market rent | 0.92 |
| Highest price a 3-bedroom at fair market rent covers | about $290,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $465,000 |
| HUD area | Waterbury-Shelton, 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 Naugatuck Valley Planning Region's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Naugatuck Valley Planning Region?
The most active investment-property lenders in Naugatuck Valley Planning Region in 2025 HMDA data were Loan Funder LLC; CHAMPIONS FUNDING, LLC; and BPL MORTGAGE TRUST, LLC, out of 131 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 Naugatuck Valley Planning Region, and matches each file to the one most likely to fund it.
Naugatuck Valley Planning Region's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 756 loans and $209.8M from 131 lenders. Loan Funder LLC led Naugatuck Valley Planning Region with 66 loans, 8.7% of the county's total, and the average Naugatuck Valley Planning Region loan of $278K compares with $354K across Connecticut.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 66 | $21.5M | $326K | 63.6% |
| CHAMPIONS FUNDING, LLC | 43 | $13.7M | $319K | 55.8% |
| BPL MORTGAGE TRUST, LLC | 38 | $7.8M | $206K | 31.6% |
| Kiavi Funding, Inc. | 31 | $10.3M | $332K | 87.1% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 28 | $7.0M | $251K | 39.3% |
| TOTAL MORTGAGE SERVICES, LLC | 25 | $7.9M | $316K | 48.0% |
| Hometown Equity Mortgage, LLC | 20 | $6.0M | $303K | 45.0% |
| CMG MORTGAGE, INC. | 19 | $5.0M | $264K | 73.7% |
| FIRST WORLD MORTGAGE CORPORATION | 18 | $5.2M | $287K | 83.3% |
| CROSSCOUNTRY MORTGAGE, INC. | 17 | $4.8M | $285K | 70.6% |
| AMERICAN HERITAGE LENDING, LLC | 16 | $4.5M | $284K | 43.8% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 15 | $3.5M | $233K | 40.0% |
| PLAZA HOME MORTGAGE, INC. | 15 | $3.3M | $219K | 73.3% |
| ICE LENDER HOLDINGS LLC | 14 | $4.4M | $315K | 21.4% |
| Citadel Servicing Corporation | 14 | $3.8M | $272K | 50.0% |
| HOMEXPRESS MORTGAGE CORP. | 13 | $3.5M | $270K | 30.8% |
| A&D Mortgage LLC | 12 | $3.6M | $297K | 50.0% |
| DEEPHAVEN MORTGAGE LLC | 12 | $3.1M | $262K | 41.7% |
| Thomaston Savings Bank | 11 | $2.5M | $229K | 45.5% |
| Emporium TPO LLC | 10 | $3.3M | $331K | 20.0% |
| Logan Finance Corporation | 10 | $3.0M | $302K | 70.0% |
| CV3 FINANCIAL SERVICES, LLC | 10 | $2.9M | $289K | 70.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 10 | $2.2M | $219K | 10.0% |
| Commerce Home Mortgage, Inc. | 9 | $3.0M | $335K | 33.3% |
| NEWREZ LLC | 9 | $2.5M | $276K | 55.6% |
551 Connecticut loans (9.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for Naugatuck Valley Planning Region: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Naugatuck Valley Planning Region CSV, all 25 lenders
What Naugatuck Valley Planning Region's table can't show you: fit. Short-term financing is exempt from HMDA, so Naugatuck Valley Planning Region's fix-and-flip and bridge lenders barely appear among its 131 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 Naugatuck Valley Planning Region, Connecticut deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Naugatuck 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 — Naugatuck Valley Planning Region's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 131 lenders and 756 loans: 2025 HMDA loan-level data rolled up to Naugatuck Valley Planning Region.
- Naugatuck Valley Planning Region investor-lender dataset (CSV) — All 25 lenders in the Naugatuck Valley Planning Region, Connecticut table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Naugatuck 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 Waterbury-Shelton, CT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Naugatuck 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.