Mortgages for CT Investors
& Self-Employed Borrowers
Traditional banks weren't built for you. They don't get your tax plan.
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. I don't.
Slow Closings Kill Deals
Many banks often take 45–60 days. Investors lose deals waiting. DSCR loans close on average in 16 days.
Won't Finance Fixer-Uppers
Property condition blocks conventional financing. 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 I 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 Me
20+ Years CT Market Expertise
Deep knowledge of Connecticut investment markets, property values, and local dynamics.
Multiple Lender Access
I 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 — I handle portfolios of any size.
Related loan programs
Ready to Take the Next Step?
Jump straight into pre-qualification, or send me a message if you'd like to talk through your specific situation first.
Start Your Pre-Qualification
Takes about 5 minutes. No credit pull. I'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.