Mortgages for CT Investors
& Self-Employed Borrowers
Traditional banks weren't built for you. We were.
DSCR loans, bank statement programs, fix & flip financing, and portfolio lending — no tax returns required.
400+
Investment Properties Financed
$100M+
In Non-QM Loans Closed
16 Days
Average DSCR Close Time
30+
Investment Lenders Compared
When "Traditional" falls short
Whether you're a real estate investor or self-employed business owner, traditional conventional lenders often make it unnecessarily hard. Here's why:
Tax Returns Hurt You
Smart write-offs reduce your reported income, conventional lenders punish you for it.
Capped at 10 Properties
Fannie/Freddie conventional loans stop at 10 financed properties. We don't.
Slow Closings Kill Deals
Banks take 45–60 days. Investors lose deals waiting. We close DSCR loans on average in 16 days.
Won't Finance Fixer-Uppers
Property condition blocks conventional financing. Our Fix & Flip loans fund on ARV.
Financing Solutions Built Around You
Four programs designed for borrowers who don't fit the conventional mold.
DSCR Loans
Qualify on rental income — not tax returns
- No tax returns or personal income verification
- Property cash flow qualifies the loan
- Close in your LLC or entity
- 1–4 unit rentals, multi-family, short-term rentals
- No limit on number of financed properties
Bank Statement Loans
Qualify using 12–24 months of deposits
- No tax returns required — use business or personal statements
- Qualify on gross deposits, not net taxable income
- Primary residence, second home, or investment property
- Ideal when write-offs reduce your reported income
- Close in 21–30 days
Fix & Flip Loans
Fast funding for renovation and rehab projects
- Purchase + renovation costs in one loan
- Funded based on After Repair Value (ARV)
- Interest-only payments during rehab
- Close in 11-21 days
- Up to 90% of purchase + 100% of rehab costs
Portfolio Loans
Finance or refinance multiple properties at once
- Consolidate multiple properties into one loan
- Cash-out refinance your entire portfolio
- No Fannie/Freddie property count limits
- Cross-collateralization options available
- Up to 75% LTV on portfolio value
Who We Help
Real Estate Investors
- Buying your first rental property in CT
- Expanding a 1–4 unit rental portfolio
- Flipping houses or rehabbing properties
- Refinancing to pull equity from existing rentals
- Investing through an LLC or trust
- Buying via 1031 exchange
Self-Employed Borrowers
- Business owner whose tax returns understate income
- Freelancer, consultant, or 1099 contractor
- Mix of W-2 and self-employment income
- Buying a primary home, second home, or investment
- LLC owner needing a mortgage in your name
- Recently self-employed (under 2 years)
Why Connecticut Investors & Self-Employed Borrowers Choose Us
20+ Years CT Market Expertise
Deep knowledge of Connecticut investment markets, property values, and local dynamics.
Multiple Lender Access
We shop 30+ Non-QM and investment lenders to find your best rate and terms.
Fast, Entity-Friendly Closings
Close in your LLC or corporation. DSCR in 16 days, Fix & Flip loans in 21 days.
No Property Count Limits
Finance property #1 or property #50 — we handle portfolios of any size.
Ready to Take the Next Step?
Jump straight into pre-qualification, or send us a message if you'd like to talk through your specific situation first.
Start Your Pre-Qualification
Takes about 5 minutes. No credit pull. We'll review your scenario and confirm which program fits — DSCR, bank statement, fix & flip, or portfolio.
- No credit pull or hard inquiry, unless you want one
- Know basic options immediately
- CT-based specialist reviews every file
Have a Specific Situation?
Not sure which program fits, or want to talk it through before diving in? Send a message and I'll get back to you directly.