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Investment property loans · Hartford County, CT

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

Hartford, the state capital on the Connecticut River, has a large stock of early 1900s two- and three-family houses, from the two-family frame houses of Upper Albany to the two- and three-story homes of the West End. Investors buy them as rentals or to renovate and resell. Two city rules shape the numbers: one- to three-family homes are taxed on a lower assessment than other property, and most buildings with three or more units fall under city rental licensing and occupancy inspections.

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Where investors buy

Neighborhoods investors look at in Hartford

Much of the housing is wood-frame multifamily from the early 20th century. Upper Albany is almost all large two-family houses from the 1900s and 1910s, the West End filled with two- and three-story homes between the 1900s and 1920s, and South Green mixes 19th-century houses with apartment houses built between about 1860 and 1900.
West EndRuns from the Park River past the Mark Twain House to the West Hartford line, with two- and three-story homes from the 1900s to the 1920s and mansions on Prospect Avenue.
Upper AlbanyLines both sides of Albany Avenue and is made up almost entirely of large two-family frame houses in Queen Anne and Colonial Revival styles from the early 1900s.
South GreenHome to Hartford Hospital, with a historic district that mixes 19th-century houses and multi-unit apartment houses built mostly between about 1860 and 1900.
Blue HillsA residential neighborhood bordering Bloomfield and West Hartford, with Tudors and colonials on Bloomfield Avenue and Ridgefield Street as well as duplexes and modest capes.
ParkvilleA mixed industrial and residential area on the west side, one of the last parts of the city to fill in, with its northern blocks built up in the early 1900s.
Behind the RocksA mostly residential corner of the city on the West Hartford line, opened up by trolley lines around 1900, with a 1920 housing boom between Zion Street and Hillside Avenue.

Loan programs

Loans for Hartford 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 Hartford

30-year loans for Hartford 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 Hartford

Buy and renovate in Hartford 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 Hartford

Close quickly on a Hartford 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 Hartford

Financing for new builds in Hartford, 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 Hartford

Financing for Hartford 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 Hartford

Local rules and costs that change a deal's numbers or closing date in Hartford and Hartford County. Sources are listed at the bottom of the page.
  • Underwrite taxes by property type. The real estate mill rate for fiscal 2027 is 69.95, but this year one- to three-family homes are assessed at 36.75% of market value instead of the 70% used elsewhere in Connecticut, so their effective rate is about half.
  • Check the building's rental license. Hartford now requires one for buildings with three or more units, except owner-occupied three-families, and the last group, three-unit buildings, had to apply between July 1 and October 31, 2026. Each building needs its own application and fee, a license runs four years, a late application adds a $1,000 penalty, and unpaid property taxes block a license unless you have a payment plan.
  • Get a Certificate of Apartment Occupancy for each unit before a tenant moves in. It applies to buildings of three to nine units, except owner-occupied three-families and buildings built or substantially rebuilt in the last ten years. The city schedules an inspection within 10 days of the application, and the fee is $25.
  • Check for historic status before you pull permits. A property in a local, state or national historic district, or one with a historic landmark, needs historic approval before the city will issue a building or demolition permit, and changes in material go to the Historic Preservation Commission.

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Have a Hartford 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 Hartford: common questions

Do you offer hard money loans in Hartford?

Yes. United Lending LLC offers private real estate financing for investors in Hartford and the rest of Hartford 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 Hartford?

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 West End, Upper Albany and South Green, among other parts of Hartford.

How much can I borrow for a Hartford 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 Hartford?

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 Hartford 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 (7)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 Hartford: Taxes (FY2027 mill rate and residential assessment)
  2. CT Office of Policy and Management (data.ct.gov): Mill Rates for FY 2014-2027
  3. City of Hartford Development Services: Apply for a Rental License
  4. City of Hartford Development Services: Apply for a Certificate of Apartment Occupancy
  5. City of Hartford Development Services: Apply for Historic Review
  6. Wikipedia: Hartford, Connecticut
  7. Wikipedia: Neighborhoods of Hartford, Connecticut