Qualify for Financing Using Rental Income

A DSCR Loan Connecticut allows real estate investors to qualify for financing based solely on rental income—not personal income. This is especially valuable in Connecticut’s strong rental markets such as Hartford, New Haven, Stamford, Bridgeport, and Norwalk.

DSCR loans are ideal for investors who want fast approvals, minimal documentation, and flexible underwriting standards.

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What Is a DSCR Loan?

The DSCR (Debt Service Coverage Ratio) measures a property’s ability to cover its mortgage payment using rental income.

DSCR Formula

DSCR = Rental Income ÷ Mortgage Payment (PITIA)

Typical DSCR Requirements in Connecticut

• DSCR ≥ 1.00 preferred
• Down payment: 20–25%
• Credit score: 620–680+ depending on LTV
• Short-term rentals allowed in many cities
• LLCs and corporations permitted

Calculate Your DSCR
Check rental cash flow now

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Why Investors Choose DSCR Loans in Connecticut

Key Benefits

• No tax returns required
• No employment or income verification
• Loans available for long-term & short-term rentals
• Fast closings
• Ideal for expanding rental portfolios
• Perfect for self-employed investors

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Top 10 Cities in Connecticut for DSCR Investing

• Bridgeport
• Stamford
• New Haven
• Hartford
• Waterbury
• Norwalk
• Danbury
• New Britain
• Bristol
• Meriden

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Short-Term Rentals in Connecticut

Connecticut STR rules vary by city, but many communities—especially coastal and tourism areas—support Airbnb and vacation rentals.

DSCR Eligibility for STR Properties

• Market rent used when the property is vacant
• Projected STR income allowed
• Historical Airbnb revenue may qualify
• Condos, single-family homes, and multi-units eligible

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Apply for a DSCR Loan in Connecticut

RealEstateInvestingLoans.org provides fast approvals and investor-friendly DSCR programs tailored to Connecticut’s rental markets.

Apply for DSCR Loan Connecticut Talk to a Loan Specialist
DSCR Loan Calculator

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DSCR Loan Connecticut Calculator