DSCR Loans in South Central Connecticut 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, 158 lenders made 973 investment-property loans in South Central Connecticut Planning Region, 16.7% of Connecticut's total. Dominick Prevete arranges DSCR loans across South Central Connecticut 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 $345,000.
See which lenders are most active in South Central Connecticut Planning Region →
South Central Connecticut Planning Region investor market at a glance
| Statistic | South Central Connecticut Planning Region | Connecticut | County rank |
|---|---|---|---|
| Investor loans | 973 | 5,824 | 2nd of 8 |
| Reporting lenders | 158 | 325 | 2nd of 8 |
| Loan volume | $333.6M | $2.06B | 3rd of 8 |
| Average loan | $343K | $354K | 3rd of 8 |
| Median loan | $305K | $295K | 3rd of 8 |
| Purchases | 54.8% | 58.0% | 7th of 8 |
| Cash-out refinances | 29.5% | 26.9% | 3rd of 8 |
| 2–4 unit properties | 49.6% | 41.2% | 2nd of 8 |
| Top five lenders' share | 26.1% | 24.0% | 2nd of 8 |
| Reported business-purpose | 82.0% | 82.1% | 3rd of 8 |
South Central Connecticut Planning Region: closed-end loans on 1–4 unit investment properties. South Central Connecticut Planning Region's rank is highest first, among Connecticut's counties with at least 100 investor loans and 25 reporting lenders. Shares are of South Central Connecticut Planning Region's investor loans.
What stands out in South Central Connecticut Planning Region
49.6% of South Central Connecticut Planning Region's investor loans financed a 2–4 unit property, the 2nd-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.
54.8% of South Central Connecticut Planning Region's investor loans were purchases, the 2nd-lowest share of Connecticut's 8 counties with published data (statewide: 58.0%).
Refinances are a larger share here than in most of Connecticut. A DSCR refinance qualifies on the property's current rent.
The five most active lenders wrote 26.1% of South Central Connecticut Planning Region's investor loans, the 2nd-highest share of Connecticut's 8 counties with published data (statewide: 24.0%).
Five lenders write 26.1% of the loans here, so comparing written term sheets matters more.
Does a DSCR loan pencil in South Central Connecticut Planning Region?
At HUD's fair market rent of $2,602 for a 3-bedroom in South Central Connecticut Planning Region, Connecticut, a rental covers its full DSCR payment up to a purchase price of about $345,000, with 20% down at the 7.25% starting rate (November 2026). South Central Connecticut Planning Region's median home value is $353,100; at that price the payment is $2,637 a month, so the property would need $2,650 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) | $2,091 / $2,602 / $2,935 |
|---|---|
| Median home value (2020–2024 ACS 5-year) | $353,100 |
| Median property taxes and effective rate | $6,759 (1.91% of value) |
| Monthly payment on the median-value home: P&I, taxes, insurance | $2,637 |
| Rent needed to cover that payment | $2,650 |
| Coverage of a 3-bedroom at fair market rent | 0.99 |
| Highest price a 3-bedroom at fair market rent covers | about $345,000 |
| Highest price two 2-bedroom units at fair market rent cover | about $555,000 |
| HUD area | New Haven, 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 South Central Connecticut Planning Region's numbers in the calculator below →
Who are the DSCR and investment-property lenders in South Central Connecticut Planning Region?
The most active investment-property lenders in South Central Connecticut Planning Region in 2025 HMDA data were CHAMPIONS FUNDING, LLC; Loan Funder LLC; and Kiavi Funding, Inc., out of 158 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 South Central Connecticut Planning Region, and matches each file to the one most likely to fund it.
South Central Connecticut Planning Region's 2025 HMDA filings, closed-end loans on 1–4 unit investment properties only: 973 loans and $333.6M from 158 lenders. CHAMPIONS FUNDING, LLC led South Central Connecticut Planning Region with 69 loans, 7.1% of the county's total, and the average South Central Connecticut Planning Region loan of $343K compares with $354K across Connecticut.
| Lender | Loans | Volume | Avg loan | Purchase share |
|---|---|---|---|---|
| CHAMPIONS FUNDING, LLC | 69 | $24.6M | $356K | 52.2% |
| Loan Funder LLC | 62 | $23.1M | $373K | 54.8% |
| Kiavi Funding, Inc. | 56 | $16.8M | $299K | 89.3% |
| UNITED SHORE FINANCIAL SERVICES, LLC | 35 | $9.4M | $268K | 57.1% |
| TOTAL MORTGAGE SERVICES, LLC | 32 | $9.8M | $306K | 68.8% |
| Rocket Mortgage, LLC | 24 | $4.6M | $190K | 29.2% |
| A&D Mortgage LLC | 23 | $6.4M | $279K | 65.2% |
| VELOCITY COMMERCIAL CAPITAL, LLC | 23 | $6.0M | $262K | 26.1% |
| FM Home Loans, LLC | 22 | $10.8M | $490K | 9.1% |
| OCMBC, INC. | 22 | $7.8M | $353K | 31.8% |
| Hometown Equity Mortgage, LLC | 22 | $7.2M | $325K | 45.5% |
| Liberty Bank | 20 | $7.8M | $392K | 85.0% |
| ARC HOME LLC | 20 | $6.7M | $333K | 70.0% |
| CROSSCOUNTRY MORTGAGE, INC. | 20 | $6.5M | $328K | 60.0% |
| Citadel Servicing Corporation | 18 | $7.1M | $393K | 72.2% |
| BPL MORTGAGE TRUST, LLC | 18 | $5.5M | $303K | 33.3% |
| Logan Finance Corporation | 14 | $5.0M | $357K | 78.6% |
| CMG MORTGAGE, INC. | 14 | $4.4M | $317K | 92.9% |
| GUARANTEED RATE AFFINITY, LLC | 13 | $4.0M | $304K | 53.8% |
| T2 FINANCIAL LLC | 13 | $3.5M | $269K | 46.2% |
| CCG Fund 1, LLC | 12 | $13.2M | $1101K | 25.0% |
| ICE LENDER HOLDINGS LLC | 11 | $5.5M | $503K | 36.4% |
| NEXERA HOLDING LLC | 11 | $3.5M | $319K | 45.5% |
| DEEPHAVEN MORTGAGE LLC | 11 | $3.0M | $274K | 18.2% |
| AMWEST FUNDING CORP. | 11 | $2.9M | $266K | 45.5% |
551 Connecticut loans (9.5%) carry no county code in HMDA, so county figures sum to less than the state total.
Source for South Central Connecticut Planning Region: 2025 HMDA loan-level data from the CFPB/FFIEC Data Browser, retrieved October 31, 2026. How this data is built · South Central Connecticut Planning Region CSV, all 25 lenders
What South Central Connecticut Planning Region's table can't show you: fit. Short-term financing is exempt from HMDA, so South Central Connecticut Planning Region's fix-and-flip and bridge lenders barely appear among its 158 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 South Central Connecticut Planning Region, Connecticut deal
Rent divided by the full monthly payment is the number a DSCR loan qualifies on. Enter a South Central Connecticut 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 — South Central Connecticut Planning Region's at-a-glance figures, its observations, its 25-lender table and the Quick Read's 158 lenders and 973 loans: 2025 HMDA loan-level data rolled up to South Central Connecticut Planning Region.
- South Central Connecticut Planning Region investor-lender dataset (CSV) — All 25 lenders in the South Central Connecticut Planning Region, Connecticut table, ranked by loan count, with volume, average loan and purchase share for each.
- HUD FY2027 Fair Market Rents — South Central Connecticut 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 New Haven, CT MSA.
- Census ACS 2020–2024 5-year, tables B25077 and B25103 — South Central Connecticut 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.