Long-term rental financing for investment properties across Connecticut — qualified off the property's income, not your personal DTI. 30-year fixed from 5.75%, up to 80% LTV, and only 3 months of seasoning on cash-out refinances. SLA Capital has closed deals across every major Connecticut metro.
SLA Capital — a Sir Lends A Lot LLC Company
A DSCR loan — short for Debt Service Coverage Ratio — is an investor mortgage that qualifies off the property's rental income rather than the borrower's personal income or debt-to-income ratio. If the property's rent covers the total housing payment (principal, interest, taxes, insurance, and HOA), the loan qualifies. Self-employed investors, LLC-title borrowers, and anyone with complex tax returns can build a rental portfolio without W-2 gymnastics.
Connecticut is a mixed-strategy investor market. Fairfield County commuter demand drives premium rentals for NYC-metro workers. Hartford insurance and New Haven Yale/biotech provide stable employment anchors. Rental demand stays consistent across every major metro.
Fairfield County (Stamford, Norwalk, Bridgeport, Danbury) is a core NYC commuter belt. Rental demand stays deep among finance, tech, and healthcare professionals working in Manhattan.
Hartford is one of the largest insurance-industry hubs in the US. Stable employment drives predictable long-term rental demand across the metro.
Yale University, Yale-New Haven Hospital, and a growing biotech corridor anchor rental demand across the New Haven metro.
Whether you're closing a single-asset SFR in a smaller Connecticut market or a portfolio in a major metro, we're active statewide. High-volume markets we regularly close in include:
Hartford County — insurance + healthcare hub
Fairfield County — NYC-metro adjacencies
New Haven County — Yale market
New Haven County — SFR + small-multi cash-flow
Eastern Connecticut secondary markets
Fairfield County — Western CT commuter market
Fairfield County — NYC financial-services commuter demand
Statewide coverage — send us any Connecticut property
Same nationwide program, no state-specific surcharges.
Priced off the 5-year Treasury. Real quote in minutes via our loan sizer — no bait-and-switch at close.
Purchase and rate-and-term refis up to 80% LTV. Cash-out refis with 3-month seasoning — no lease required.
30-year fixed, 5-year interest-only, 5/1 ARM, 7/1 ARM.
Single-asset from $55K to $3M. Portfolio structures for 2–10 Connecticut properties on one note.
Up-front pricing. One origination point, standard closing costs, no junk fees.
Property rent must cover PITIA. Below 1.0 scenarios can still qualify with reserves or a rate buy-up.
Yes. SLA Capital funds DSCR rental loans throughout Connecticut — Hartford, Bridgeport & Stamford, New Haven, Waterbury, Norwich & New London, and every other CT metro. Rates from 5.75%, up to 80% LTV.
Connecticut DSCR loans start at 5.75% on a 30-year fixed structure. Priced off the 5-year Treasury with transparent up-front pricing — the rate you're quoted is the rate you close at.
Every Connecticut metro. High-volume markets: Hartford, Bridgeport & Stamford, New Haven, Waterbury, Norwich & New London. Secondary markets welcome.
Connecticut is a mixed-strategy investor market. Fairfield County commuter demand drives premium rentals for NYC-metro workers. Hartford insurance and New Haven Yale/biotech provide stable employment anchors. Rental demand stays consistent across every major metro.
3 months. Only 3 months of ownership seasoning is required for cash-out refinances on Connecticut DSCR loans, and no active lease is required at closing.
Send us the property. Our sizer returns a real term sheet in minutes.
Short-term purchase + rehab financing across every Connecticut metro. Rates 9.5–12%. Up to 100% LTC for premier borrowers.
Ground-up construction loans for Connecticut builders. 85% land + 85% build. $100K–$7.5M.