DSCR Loans in Northwest Hills 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, 72 lenders made 137 investment-property loans in Northwest Hills Planning Region, 2.4% of Connecticut's total. Dominick Prevete arranges DSCR loans across Northwest Hills 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 $280,000.
See which lenders are most active in Northwest Hills Planning Region →
Northwest Hills Planning Region investor market at a glance
| Statistic | Northwest Hills Planning Region | Connecticut | County rank |
|---|---|---|---|
| Investor loans | 137 | 5,824 | 8th of 8 |
| Reporting lenders | 72 | 325 | 8th of 8 |
| Loan volume | $42.3M | $2.06B | 8th of 8 |
| Average loan | $309K | $354K | 5th of 8 |
| Median loan | $235K | $295K | 8th of 8 |
| Purchases | 65.0% | 58.0% | 1st of 8 |
| Cash-out refinances | 21.9% | 26.9% | 8th of 8 |
| 2–4 unit properties | 47.4% | 41.2% | 4th of 8 |
| Top five lenders' share | 21.2% | 24.0% | 8th of 8 |
| Reported business-purpose | 75.9% | 82.1% | 6th of 8 |
Northwest Hills Planning Region: closed-end loans on 1–4 unit investment properties. Northwest Hills Planning Region's rank is highest first, among Connecticut's counties with at least 100 investor loans and 25 reporting lenders. Shares are of Northwest Hills Planning Region's investor loans.
What stands out in Northwest Hills Planning Region
65.0% of Northwest Hills Planning Region's investor loans were purchases, the highest share of Connecticut's 8 counties with published data (statewide: 58.0%).
Most investor loans here are purchases. A DSCR purchase qualifies on the property's rent, so you can get written terms before you make an offer with the Instant Term Sheet.
21.9% of Northwest Hills Planning Region's investor loans were cash-out refinances, the lowest share of Connecticut's 8 counties with published data (statewide: 26.9%).
When investors here do take cash out, the DSCR cash-out refinances Dominick arranges require no seasoning.
The median investor loan in Northwest Hills Planning Region was $235K, the lowest median of Connecticut's 8 counties with published data (statewide: $295K).
Loans here run small. DSCR loans Dominick arranges start at $75,000.
Does a DSCR loan pencil in Northwest Hills Planning Region?
At HUD's fair market rent of $2,061 for a 3-bedroom in Northwest Hills Planning Region, Connecticut, a rental covers its full DSCR payment up to a purchase price of about $280,000, with 20% down at the 7.25% starting rate (November 2026). Northwest Hills Planning Region's median home value is $335,600; at that price the payment is $2,437 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) | $1,560 / $2,061 / $2,359 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $335,600 |
| Median property taxes and effective rate | $5,593 (1.67% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,437 |
| Rent needed to cover that payment | $2,450 |
| Coverage of a 3-bedroom at fair market rent | 0.85 |
| Highest price a 3-bedroom at fair market rent covers | about $280,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $425,000 |
| HUD area | Northwest Hills Planning Region, CT |
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 Northwest Hills Planning Region's numbers in the calculator below →
Who are the DSCR and investment-property lenders in Northwest Hills Planning Region?
The most active investment-property lenders in Northwest Hills Planning Region in 2025 HMDA data were Loan Funder LLC; TOTAL MORTGAGE SERVICES, LLC; and CROSSCOUNTRY MORTGAGE, INC., out of 72 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 two that reported in Northwest Hills Planning Region, and matches each file to the one most likely to fund it.
Northwest Hills Planning Region's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 137 loans and $42.3M from 72 lenders. Loan Funder LLC led Northwest Hills Planning Region with 8 loans, 5.8% of the county's total, and the average Northwest Hills Planning Region loan of $309K compares with $354K across Connecticut.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| Loan Funder LLC | 8 | $2.1M | $261K | 50.0% |
| TOTAL MORTGAGE SERVICES, LLC | 6 | $1.3M | $217K | 66.7% |
| CROSSCOUNTRY MORTGAGE, INC. | 5 | $3.1M | $617K | 80.0% |
| CHAMPIONS FUNDING, LLC | 5 | $1.7M | $349K | 100.0% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 5 | $1.2M | $239K | 60.0% |
| CMG MORTGAGE, INC. | 4 | $2.6M | $645K | 50.0% |
| FIRST WORLD MORTGAGE CORPORATION | 4 | $1.0M | $250K | 25.0% |
| Hometown Equity Mortgage, LLC | 4 | $0.9M | $225K | 75.0% |
| Northwest Community Bank | 4 | $0.6M | $138K | 100.0% |
| JPMorgan Chase Bank, National Association | 3 | $1.6M | $548K | 66.7% |
| Newtown Savings Bank | 3 | $1.5M | $502K | 33.3% |
| LENDINGONE, LLC | 3 | $0.8M | $262K | 33.3% |
| Rocket Mortgage, LLC | 3 | $0.6M | $205K | 100.0% |
| AMERICAN NEIGHBORHOOD MORTGAGE ACCEPTANCE COMPANY LLC | 3 | $0.4M | $148K | 100.0% |
| NFM, INC. | 2 | $0.8M | $425K | 100.0% |
| Union Savings Bank | 2 | $0.8M | $395K | 100.0% |
| A&D Mortgage LLC | 2 | $0.7M | $345K | 50.0% |
| Wells Fargo Bank, National Association | 2 | $0.7M | $330K | 100.0% |
| ARC HOME LLC | 2 | $0.6M | $285K | 50.0% |
| Logan Finance Corporation | 2 | $0.6M | $280K | 50.0% |
| AMERICAN HERITAGE LENDING, LLC | 2 | $0.5M | $270K | 0.0% |
| NEXERA HOLDING LLC | 2 | $0.5M | $250K | 50.0% |
| THE LOAN STORE, INC. | 2 | $0.5M | $245K | 50.0% |
| BPL MORTGAGE TRUST, LLC | 2 | $0.5M | $245K | 50.0% |
| The Torrington Savings Bank | 2 | $0.5M | $240K | 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 Northwest Hills Planning Region: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · Northwest Hills Planning Region CSV, all 25 lenders
What Northwest Hills Planning Region's table can't show you: fit. Short-term financing is exempt from HMDA, so Northwest Hills Planning Region's fix-and-flip and bridge lenders barely appear among its 72 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 some 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 Northwest Hills Planning Region, Connecticut deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a Northwest Hills 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 — Northwest Hills Planning Region's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 72 lenders and 137 loans: 2025 HMDA loan-level data rolled up to Northwest Hills Planning Region.
- Northwest Hills Planning Region investor-lender dataset (CSV) — All 25 lenders in the Northwest Hills Planning Region, Connecticut table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — Northwest Hills 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 Northwest Hills Planning Region, CT.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — Northwest Hills 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.