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Investment property loans · Fairfield County, CT

Hard money, fix and flip and DSCR loans in Bridgeport, CT

Bridgeport sits on Long Island Sound where the Pequonnock River meets the harbor, and much of its housing is older multifamily. Triple-deckers are common in the Hollow, the East Side and the East End, and the West Side has Queen Anne multifamily houses. Investors buy these to renovate and rent by the unit, or to resell. The city finished a revaluation for 2025, and buildings with three or more apartments need a city occupancy certificate before a new tenant moves in.

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Where investors buy

Neighborhoods investors look at in Bridgeport

Triple-deckers fill parts of the Hollow, Madison Avenue, the East Side, Black Rock and the East End, even though the city banned new ones in the early 20th century. Around Washington Park on the East Side, many 19th-century houses built for well-off owners have been split into apartments, and the West Side has Queen Anne multifamily houses.
The HollowA dense neighborhood that has drawn immigrants throughout its history, with mostly multifamily housing and the Sterling Hill Historic District.
East SideA peninsula between the harbor and Yellow Mill Pond, once lined with large factories, where P.T. Barnum's planned 19th-century neighborhood around Washington Park now has many houses divided into units.
Black RockA shoreline neighborhood on Black Rock Harbor and Long Island Sound where homes make up 86% of properties, with two National Register historic districts.
StratfieldA historic district of more than 100 acres around North, Clinton and Brooklawn Avenues, with most houses built between 1880 and 1920 in revival styles.
Downtown NorthOld brick buildings north of Fairfield Avenue sat empty for years until rehabilitation began in 2015, and most are now apartments or retail.
East EndThe city's easternmost area, across Yellow Mill Pond from the East Side and next to Stratford, where triple-deckers are a common house type.

Loan programs

Loans for Bridgeport real estate investors

Pick the loan that fits the deal: short-term money to buy, renovate or build, or a long-term loan to hold the property. Published limits are subject to appraisal and underwriting.
Long-term

DSCR rental loans in Bridgeport

30-year loans for Bridgeport rentals of 1–4 units, fixed or adjustable, qualified on the rent with no personal income verification: up to 85% of the price on a purchase, with loans from $75,000.

Purchase LTV up to85%
Term30 years
Income docsNot required
Loans from$75K

Subject to appraisal and underwriting.

DSCR loans: terms and requirements
Short-term

Fix and flip loans in Bridgeport

Buy and renovate in Bridgeport with up to 95% of the price and 100% of the rehab budget, on a 12–18 months interest-only loan with no prepayment penalty when the house sells.

Purchase price up to95%
Rehab funded up to100%
Term12–18 months
Prepayment penaltyNone

Subject to appraisal and underwriting.

Fix and flip loans: terms and requirements
Short-term

Bridge loans in Bridgeport

Close quickly on a Bridgeport property with up to 95% of the cost financed and a 12–18 months interest-only term, then sell it or refinance onto a long-term loan. No prepayment penalty.

Leverage up to95% LTC
Term12–18 months
PaymentsInterest only
Prepayment penaltyNone

Subject to appraisal and underwriting.

Bridge loans: terms and requirements
Short-term

Ground-up construction loans in Bridgeport

Financing for new builds in Bridgeport, from spec homes built to sell to rentals built to hold. Every project is quoted on its plans, budget and builder.

Quoted on your deal.

Construction loans: get a quote
Long-term

Multifamily and commercial loans in Bridgeport

Financing for Bridgeport apartment buildings of five units or more, mixed-use and commercial property, quoted on the building's income.

Quoted on your deal.

Multifamily and commercial: get a quote

Good to know

Before you buy in Bridgeport

Local rules and costs that change a deal's numbers or closing date in Bridgeport and Fairfield County. Sources are listed at the bottom of the page.
  • Check whether the building needs a Certificate of Apartment Occupancy. In a building with three or more apartments, other than a three-family where the owner lives, the city must inspect and approve a vacant unit before anyone moves in, and a certificate is required for each new tenant (City Ordinance 15.12.250).
  • Base your tax estimate on the new assessment, not an old bill. Bridgeport completed a revaluation for 2025, and the real estate mill rate for fiscal 2026-2027 is 27.95, compared with 43.45 for fiscal 2026.
  • Check for a local historic district before you plan exterior work. In East Bridgeport and Pembroke City, Stratfield, Marina Park, Barnum-Palliser and Black Rock Harbor, any work seen from the street, such as siding, windows, roofing, porches or additions, needs a Certificate of Appropriateness from the Historic District Commission.
  • Plan rent increases with the Fair Rent Commission in mind. Set up under Connecticut General Statutes 7-148b to 7-148f and City Code chapter 2.94, it hears complaints from tenants who are current on rent about excessive rent charges and increases.

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Have a Bridgeport property in mind?

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United Lending LLC offers business-purpose financing secured by non-owner-occupied investment real estate. We do not offer loans for personal, family or household purposes, or loans on owner-occupied primary residences.

Questions

Loans in Bridgeport: common questions

Do you offer hard money loans in Bridgeport?

Yes. United Lending LLC offers private real estate financing for investors in Bridgeport and the rest of Fairfield County: fix and flip and bridge loans sized on the deal, and DSCR rental loans sized on the rent. We're headquartered in Brooklyn, New York, and lend nationwide.

Do you offer DSCR loans in Bridgeport?

Yes. Our DSCR loans are 30-year loans on 1–4 unit rentals, fixed or adjustable, qualified on the property's rent against its monthly payment with no personal income verification, up to 85% loan-to-value on a purchase and loans from $75,000. Investors use them for rentals in The Hollow, East Side and Black Rock, among other parts of Bridgeport.

How much can I borrow for a Bridgeport flip?

Up to 95% of the purchase price and up to 100% of the rehab budget, on a 12–18 months interest-only loan. Those are maximums, subject to appraisal and underwriting: the property, your experience and the comps set what your loan gets.

Is there a prepayment penalty on a loan in Bridgeport?

There's no prepayment penalty on fix and flip or bridge loans. DSCR rental loans come with a choice of prepayment terms, from none up to five years, set out in your written terms before you commit.

Do I need to live in Bridgeport or have a Connecticut LLC?

No. You can borrow in your own name or through an LLC, wherever you live; many of our borrowers invest outside their home state. If your LLC was formed outside Connecticut, your loan officer will tell you what's needed before closing.

Connecticut

More places we lend in Connecticut

Sources (13)Checked November 10, 2026

United Lending's loan terms are its published program limits. The local rules and costs on this page come from the public sources below, checked on the date shown; confirm them with the city, county or your closing attorney before you rely on them.

  1. City of Bridgeport Housing Code Enforcement: Apartment Occupancy
  2. City of Bridgeport Tax Assessor: How Your Taxes Are Determined (FY 2026-2027 mill rate)
  3. City of Bridgeport Tax Assessor: Revaluation Information (2025)
  4. CT Office of Policy and Management (data.ct.gov): Mill Rates for FY 2014-2027
  5. City of Bridgeport: Historic District Commission
  6. City of Bridgeport: Fair Rent Commission
  7. City of Bridgeport: Fair Rent Program
  8. Wikipedia: Bridgeport, Connecticut (architecture, historic districts, 21st century)
  9. Wikipedia: Geography of Bridgeport, Connecticut
  10. Wikipedia: The Hollow, Bridgeport
  11. Wikipedia: East Bridgeport Historic District
  12. Wikipedia: Black Rock, Bridgeport
  13. Wikipedia: Stratfield Historic District