Broker, not a lenderHard Money Lenders inBridgeport, Connecticut
Fix and flip, DSCR rental and new construction financing for Bridgeport investors. We do not lend our own money, we shop your deal across a 400+ lender network and come back with real terms you can compare on total cost.
Prefer to talk it through? Call or text Micah at (281) 636-5682.
What you get working with us
Price a Bridgeport deal right now
Prefilled with a realistic Bridgeport deal. Change any number and it reprices instantly on the lanes licensed in Connecticut, using the same engine behind our term sheets.
Financing a deal in Bridgeport
Bridgeport is Connecticut’s largest city and the affordable corner of Fairfield County, where the typical home is worth about half the county figure. Metro-North puts New York within reach, which pulls in buyers and renters who can’t pay Stamford or Norwalk prices. The North End and Brooklawn hold the capes, colonials and ranches that make clean single family flips, Black Rock is the waterfront premium, and the East Side, East End and West End are mostly older two and three family houses.
Bridgeport is a slower market than it was a year ago. Homes are taking longer to sell, while prices are still up, which means the resale is still there but the carry needs more room. The flips that work are in the North End, Brooklawn and the edges of Black Rock, bought with a margin that survives a few extra weeks on market. Multifamily on the East Side and East End works when the rents are documented, because that buyer is underwriting income, not granite.
What a Bridgeport deal looks like on paper
Bridgeport example: $240,000 purchase, $65,000 rehab, $425,000 after repair value, 730 credit, first flip. The engine puts that borrower on the Best Rate program at 9.49%. Say a 1950s cape in the North End with original baths, an undersized electrical service and a basement that takes water in a storm. Every number below is what the instant term sheet prints for that deal, so the picture cannot contradict the page.
- Down payment (15%)You$36,000
- Origination (0.5%)Lender$2,000
- Doc prepLender$749
- Broker fee (1%)Broker$2,690
- Title and closingTitle$3,665
- Prepaid interest (15 days)Lender$1,049
- Property insuranceInsurer$2,898
- AppraisalAppraiser$550
Interest while you rehab: $1,613 a month on the $204,000 funded at closing, $2,127 once every draw is out. Proof of funds is cash to close plus $17,550 of rehab reserve and $12,764 of interest reserve. Sample borrower, sample address; the sheet is issued by the same engine as the borrower’s instant term sheet.
What we can fund in Bridgeport
| Program | Down payment | Min credit | Experience | Rate | Origination | Max loan | Term | Close |
|---|---|---|---|---|---|---|---|---|
| Best Rate | 15% | 700+ | First flip OK | 8.99% to 9.49% | 0.5% | 75% of ARV | 12 months | 14 days |
| 5% Down, 3+ Flips1 | 5% | 600+ | 3+ completed flips | 11.00% to 12.00% | 2% | 75% of ARV | 12 months | 7-14 days |
| 5% Down, 5+ Flips2 | 5% | 660+ | 5+ completed flips | 9.99% to 10.99% | 2% | 75% of ARV | 9-24 months | 10-14 days |
- Origination steps down with experience: 1.5% at 5+ deals, 1% at 8+.
- Rate is set per file from 9.99%; origination about 2% plus a $995 processing fee.
Origination has a $2,000 minimum on every program and the broker fee is 1% with a $2,000 minimum. These are the numbers the instant term sheet uses as of September 2026. Strong credit, cash and a track record can price lower through specific lenders in the network.
What the Bridgeport comps say
Redfin puts the Bridgeport median sale price at $412,000 over the three months through August 2026, up 5.7% from a year earlier, with homes selling in about 46 days against 43 a year before. Zillow’s typical home value is $364,989 as of August 31, 2026, up 4.5% over the year, against $693,453 for Fairfield County. First Street data on Redfin rates both flood and wind risk as major, with 2,625 properties, about 19% of the city, at severe 30 year flood risk.
| Median sale price, Bridgeport (Redfin, 3 months to Aug 2026) | $412,000 |
| Days on market, Bridgeport (Redfin) | 46 |
| Homes sold in August 2026 (Redfin) | 246 |
| Zillow home value index, Bridgeport (Aug 2026) | $364,989 |
| Zillow home value index, Fairfield County (Aug 2026) | $693,453 |
| Share of properties at severe 30-year flood risk (First Street via Redfin) | 19% |
Sources: Redfin, Bridgeport housing market · Zillow, Bridgeport home values
How a Bridgeport file actually gets priced
Bridgeport’s price map is uneven, and the appraiser knows it. A Black Rock sale sits in a different tier from the North End, and the East End trades well below both, so we value from closed renovated sales in the same section of the city with the same unit count. Coastal addresses get a flood zone check before the value is set, since flood insurance cost changes what a buyer can pay. With days on market stretching, we also look at how long the comps took to sell and whether they cut price.
This is the most flood exposed of the Connecticut cities we cover. Redfin’s First Street data rates Bridgeport’s flood risk as major, with about 19% of properties likely to be severely affected over 30 years, and rates wind risk as major too, mostly from hurricanes coming up the Sound. The South End, Black Rock harbor and the low ground along the Pequonnock and Yellow Mill channel are where to look first. Price flood insurance before you offer, budget a roof that meets wind standards, and get permits through the city for anything structural.
Who buys your finished Bridgeport deal
Finished Bridgeport singles sell to first time owner occupants, many of them commuting to jobs down the line toward Stamford and New York, and many using FHA, so the house has to pass that appraisal. Two and three family houses sell to owner occupants and investors who underwrite on rent. When the sale gets slow, holding is a real option: the rents here reflect Fairfield County demand, and a DSCR refinance on a renovated multifamily is a common ending.
Your whole loan, in one portal
Apply once and the whole Bridgeport loan lives in the borrower portal: the term sheet you can accept and sign in the browser, where the loan stands, one place for documents, and the list of what the lender is still waiting on. These are real screens from the portal.
What we fund in Bridgeport
Fix & Flip
Purchase plus 100% of rehab, released in draws. The core product in Bridgeport.
DSCR Rental
Qualifies on the property’s rent, not your W-2. The usual exit when a flip becomes a hold, and the long-term financing on a BRRRR.
New Construction
Ground-up for builders and infill developers, with a draw schedule matched to the build timeline.
Where we lend in Bridgeport
We broker deals across the whole Bridgeport market. These are the submarkets investors ask us about most:
From deal to funded
Send the deal
Address, purchase price, rehab budget and your ARV. Three minutes, no credit pull.
We shop it
Your scenario goes to the lenders in our network that actually fit it and are licensed in Connecticut, not all 400 at once.
Real terms back
Rate, origination, leverage and cash to close side by side, so you can compare on total cost.
Close
7 to 10 days typical. We stay on title and the lender through funding.
Bridgeport hard money FAQ
Do you lend hard money in Bridgeport?
Which fix and flip programs apply in Bridgeport?
How fast can a Bridgeport hard money loan close?
How much do I need to bring to close on a Bridgeport flip?
Do you fund the rehab budget in Bridgeport?
What credit score do I need for a Bridgeport fix and flip loan?
Can I refinance a Bridgeport flip into a rental loan?
How much does flood risk matter on a Bridgeport flip?
Are Bridgeport homes selling more slowly now?
Before you sign anything
Ready to fund your Bridgeport deal?
Submit your scenario in under 3 minutes. We shop it and come back with real terms, not a generic rate sheet.